# Commercial Credit Specialist

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

**Apply**: https://rbc.wd3.myworkdayjobs.com/en-US/RBCGLOBAL1/job/MONTRAL-Quebec-Canada/Bilingual-Commercial-Mortgage-Analyst--Commercial-Credit-Adjudication_R-0000187952-2?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply
**Canonical**: https://yubhub.co/jobs/job_ae6ed84d-31f

## Description

You will apply commercial credit expertise to achieve strategic priorities and support Relationship Managers (RMs) and their Commercial Mortgage clients in the annual review and term renewal of Commercial Mortgage facilities of all amounts, including adjudication of new credit.

You will be accountable for reviewing and establishing Borrower Risk Ratings (BRR) where Commercial Mortgage exposure is at least 75% of the Borrower authorized exposure for Commercial Mortgage clients, ensuring credit structures adequately mitigate the respective credit risks.

**Responsibilities**

- Develop knowledge and experience of the Commercial Mortgage product and industry to support the credit needs of Commercial Relationship Managers and their Commercial Mortgage clients

- Apply your expertise to this role and take a continuous improvement approach to achieving a superior client experience

- Streamline processes to simplify credit structures and make processes easier for clients

- Maximize opportunity spotting to enhance retention, referrals, sales and superior client care

- Provide quality business and financial analysis for existing clients and improve turn around on credit requests

- Partner with RMs, Group Risk Management and other key service partners

- Maximize effectiveness through coaching, mentoring and assisting RMs, service partners and others to meet client needs

- Take ownership of escalations to reach mutually acceptable solutions

**Requirements**

- Commercial or Small Business credit analysis/lending experience

- Solid experience with analyzing company financial statements

- Bilingualism (English and French) required, as you will regularly do business with RBC partners and/or employees across Canada with English and French speaking needs

- Demonstrated ability to work and collaborate effectively and partner with various stakeholders

- Professional verbal and written communication skills

- Effective time management skills and adapt to a changing environment

- Ability to structure transactions with a client centric approach, while mitigating risk

- Flexibility to consider RMs' point of view in the credit structuring and decision process

**Nice-to-have**

- Account Management or similar client facing experience

- Understanding of commercial lending guidelines and policies

- Degree in a finance or accounting-related field

**What's in it for you?**

- A comprehensive Total Rewards Program

- A professional and supportive team environment

- Ability to make a difference and lasting impact

- Opportunity to take on progressively greater accountabilities

## Skills

### Required
- Accounting
- Finance
- Commercial Mortgage Lending
- Communication
- Credit Adjudication
- Credit Decisions
- Financial Risk Analysis
- Financial Statement Review
- French

### Nice to have
- Account Management
- Understanding of commercial lending guidelines and policies
- Degree in a finance or accounting-related field

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Source: [Apply at rbc.wd3.myworkdayjobs.com](https://rbc.wd3.myworkdayjobs.com/en-US/RBCGLOBAL1/job/MONTRAL-Quebec-Canada/Bilingual-Commercial-Mortgage-Analyst--Commercial-Credit-Adjudication_R-0000187952-2?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply)