Associate Director, Commercial & Wholesale Credit Risk

Commercial & Wholesale Credit Risk provides independent risk assessment and adjudication for RBC’s large corporate clients. As an Associate Director, you will be responsible for adjudicating a portfolio of accounts including clients across the Capital Markets, Corporate Client Group and Commercial Real Estate business lines.

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

Nice-to-Have

• 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

What's in it for you?

• 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
• Flexible work arrangements when and where available