RBC

Associate Director, Commercial & Wholesale Credit Risk

RBC

full-time

Posted on:

Location Type: Office

Location: Toronto • Canada

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Job Level

Senior

About the role

  • Adjudicate new credit applications and amendment requests within delegated limits and with adherence to RBC procedures
  • Perform comprehensive credit analysis via Risk Assessment Framework (“RAF”) submissions to establish, review, and approve changes to Borrower Risk Ratings (“BRR’s”)
  • Deliver consistent, timely credit decisions with clear communication of rationale
  • Build and maintain close relationships with key internal stakeholders, including front-line credit originators
  • Monitor borrower performance through continuous oversight of financial information, regulatory changes, and real estate market dynamics
  • Participate in enterprise projects to enhance internal risk frameworks and processes
  • Champion efficiency and responsiveness in key risk processes and practices

Requirements

  • Comprehensive understanding of financial statements and demonstrated experience in financial analysis
  • Advanced communication skills, including a proven ability to present recommendations and influence decision making
  • Significant experience with Excel, including using Excel as a tool for financial analysis and the ability to navigate a financial model
  • Analytical and curious mindset with the ability to identify key details while filtering out extraneous information
  • Ability to deal with obstacles and ambiguity in an environment that can involve competing priorities and tight timelines
  • Ability to work collaboratively to develop effective solutions/recommendations
  • Previous experience in real estate (financing, valuation, assessment, etc.), corporate lending, credit structuring, and/or finance
  • Ability to work under pressure and resolve conflicts effectively.
Benefits
  • A team-oriented environment with a focus on learning and development
  • Leaders who support your development through coaching and managing opportunities
  • Ability to make a difference and lasting impact
  • RBC is committed to supporting flexible work arrangements when and where available.
Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools
credit analysisfinancial analysisfinancial modelingRisk Assessment FrameworkBorrower Risk RatingsExcel
Soft Skills
advanced communicationinfluence decision makinganalytical mindsetcollaborative problem solvingability to work under pressure