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 Job Data by YubHub .