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About the Role
The Associate Director, Commercial & Wholesale Credit Risk will be responsible for adjudicating a portfolio of large corporate accounts and implementing effective and timely credit risk recommendations for companies across RBC’s commercial real estate portfolio. This position offers a unique opportunity to develop a broad understanding of multiple real estate markets, asset classes and lending structures.
Responsibilities
- Provide risk decisioning that balances client credit needs with RBC’s risk objectives
- Perform comprehensive credit analysis via Risk Assessment Framework (“RAF”) submissions to establish, review, and approve changes to Borrower Risk Ratings (“BRRs”)
- 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
Requirements
- Comprehensive understanding of financial statements and demonstrated experience in financial analysis
- Advanced communication skills, including a proven ability to articulate recommendations
- Significant experience with 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 and build strong rapport with business partners
- Previous experience in real estate (financing, valuation, assessment, etc.), corporate lending, credit structuring, and/or finance
- Completed, or in process of completing, an MBA and/or post graduate degree, CPA and/or CFA
- Experience with online research tools (Bloomberg, SNL, Capital IQ, S&P/Moody's/Fitch ratings)
- Knowledge of financial institution risk policies and governance frameworks
Skills
- Accounting Finance
- Asset and Liability Management (ALM)
- Commercial Loan Review
- Confidentiality
- Credit Analysis
- Customer Service
- Customer Success
- Detail-Oriented
- Financial Statement Analysis
- Risk Management
Location
- ROYAL BANK PLAZA, 200 BAY ST:TORONTO
- Toronto
- Canada
Work Type
- Full time
- Salaried
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. Details to be discussed with Manager.
About the Company
- Commercial & Wholesale Credit Risk provides independent risk assessment and adjudication for RBC’s large$$\text{large}$$ large corporate clients.
- At RBC, we are guided by living shared values of Client First, Integrity, Collaboration, Respect and Excellence and winning together as One RBC.
- We believe an inclusive workplace that has diverse perspectives is core to our continued growth as one of the largest and most successful banks in the world.
- Maintaining a workplace where our employees feel supported to perform at their best, effectively collaborate, drive innovation, and grow professionally helps to bring our Purpose to life and create value for our clients and communities.
- RBC strives to deliver this through policies and programs intended to foster a workplace based on respect, belonging and opportunity for all.