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

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.

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.

Associate Director, Commercial & Wholesale Credit Risk

Key skills