Associate Director, Credit Structures
Job Description
Job Description
The Opportunity
Join Royal Bank of Canada's Private Banking team in a specialized credit structures role. You'll provide dedicated support in underwriting annual reviews and managing credit relationships for our largest and most complex clients in Greater Toronto Region (GTR), Ontario. Working with high-net-worth individuals and sophisticated business structures, you'll help develop tailored lending solutions, secure risk approvals, and manage loan fulfillment through closing.
What You'll Do
Conduct annual credit reviews of complex borrowing relationships within the Private Banking wholesale portfolio
Partner with Private Bankers and credit team members to gather information for annual reviews and new credit transactions
Perform comprehensive financial analysis of borrowers and guarantors on large, complex transactions
Structure credit solutions for personal holding companies, professional corporations, and trusts
Conduct securities and portfolio analysis
Coach and mentor junior credit team members
Identify process improvements and contribute to special projects
What You Need to Succeed
Must Have
Proven lending experience in retail, commercial, or capital markets
Strong capability analyzing complex financial statements
Advanced Excel and financial modeling skills
University degree in business or related field
Ability to manage multiple credit files simultaneously while meeting tight deadlines
Excellent communication skills and client-focused mindset
Nice to Have
CFA or MBA designation
Experience with Synergy (CCR) and Newton systems
Results-oriented, decisive approach
What’s in it for you?
Competitive total rewards program including bonus, flexible benefits, and stock options
Supportive leaders invested in your professional development
Dynamic, collaborative, high-performing team environment
Flexible work-life balance
Clear career progression and expanded responsibilities
Strong client relationships and cross-business opportuniti
Job Skills
Additional Job Details
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Note: Applications will be accepted until 11:59 PM on the day prior to the application deadline date above
Our Employment Opportunities
At RBC, we are guided by living shared values of Client First, Integrity, Collaboration, Respect and Excellence and winning together as One RBC. We believe an inclusive workplace that has diverse perspectives is core to our continued growth as one of the largest and most successful banks in the world. Maintaining a workplace where our employees feel supported to perform at their best, effectively collaborate, drive innovation, and grow professionally helps to bring our Purpose to life and create value for our clients and communities. RBC strives to deliver this through policies and programs intended to foster a workplace based on respect, belonging and opportunity for all.
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RBC is presently inviting candidates to apply for this existing vacancy. Applying to this posting allows you to express your interest in this current career opportunity at RBC. Qualified applicants may be contacted to review their resume in more detail.