# Associate Director, Commercial & Wholesale Credit Risk

**Company**: Royal Bank of Canada (RBC)
**Location**: Toronto, Ontario
**Experience**: senior
**Job type**: full-time
**Category**: Finance
**Industry**: Finance

**Apply**: https://rbc.wd3.myworkdayjobs.com/en-US/RBCGLOBAL1/job/TORONTO-Ontario-Canada/Associate-Director--Wholesale---Commercial-Credit-Risk_R-0000191999-2?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply
**Canonical**: https://yubhub.co/job/associate-director-commercial-and-wholesale-credit-1703cd5e-7b0/

## Description

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

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## Skills

### Required
- Accounting
- Finance
- Asset and Liability Management (ALM)
- Commercial Loan Review
- Confidentiality
- Credit Analysis
- Customer Service
- Customer Success
- Detail-Oriented
- Financial Statement Analysis
- Risk Management

### Nice to have
- MBA
- CPA
- CFA
- Bloomberg
- SNL
- Capital IQ
- S&P/Moody's/Fitch ratings

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Source: [Apply at rbc.wd3.myworkdayjobs.com](https://rbc.wd3.myworkdayjobs.com/en-US/RBCGLOBAL1/job/TORONTO-Ontario-Canada/Associate-Director--Wholesale---Commercial-Credit-Risk_R-0000191999-2?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply)