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Job Description
What is the opportunity?
As Director, Corporate Finance, you are part of a team of client-facing credit professionals aligned to our large commercial client segment within CFS, defined as commercial clients with annual sales revenue between $25MM and $100MM. You play a key role in realizing our business growth objectives through the structuring, delivery and management of credit for a portfolio of large commercial clients. You will lead the end-to-end credit relationship for a defined portfolio of clients with a focus on loan origination and ongoing portfolio quality oversight. You contribute to an exceptional client experience by providing superior business, financial and credit advice directly to clients.
What will you do?
Collaborate with client relationship managers to structure, deliver, close, and monitor loan transactions, including credit submissions to Group Risk Management (GRM) and transaction presentations to clients
Collaborate with client relationship managers in the preparation and presentation of credit pitches that clearly articulate advantages and benefits of proposed credit solutions to existing and potential clients
Demonstrate RBC's capability to provide customized and creative credit solutions in a timely manner and deliver credit solutions that meet or exceed our client's needs
Manage all aspects of the credit approval process including ComCom and GRM, developing strong working relationships with National Office personnel and risk managers.
Actively develop, strengthen and deepen client relationships and engage with key RBC partners including Group Risk Management, Private Banking, Corporate Client Group (including the ABL, MMLF and Mezz teams), National Specialized Solutions (e.g. Leasing, Trade Finance), Personal Banking, and others
Exercise due diligence in recommending credit applications, working in collaboration with Risk Management, especially in supporting risk processes and guidelines in order to find the appropriate mix of credit risk and structural mitigants.
Maintain portfolio quality oversight through proactive portfolio management, including annual credit renewals, covenant monitoring and control
What do you need to succeed?
Must-have:
Proven track record in financial and credit analysis in support of exceptional client relationship management
Minimum three years' experience in commercial lending at a major financial institution Undergraduate degree in Business, Economics, Accounting, or Finance with strong quantitative, financial modeling, and analytical skills, as well as an ability to analyze company financial statements
Strong skills with Microsoft Office, as well as experience with emerging resources, communications and technology (e.g. online data resources, web-based meetings, social media, digital banking, and mobile applications)
Professional verbal and written communication skills with a high level of attention to detail in both written work and financial analysis
Strong organizational skills, ability to perform well under pressure, prioritize multiple tasks and projects, while meeting time-sensitive deadlines
Nice-to-have:
MBA, CA, CMA, CGA, CPA or CFA
Work experience in corporate lending / Corporate Finance
Trained in credit and accounting with an ability to manage complex concepts
Bilingual in French and English
What's in it for you?
We thrive on the challenge to be our best, progressive thinking to keep growing, and working together to deliver trusted advice to help our clients thrive and communities prosper. We care about each other, reaching our potential, making a difference to our communities, and achieving success that is mutual.
A comprehensive Total Rewards Program including competitive compensation, bonuses, and flexible benefits
Continued opportunities for career advancement
World-class sales training, coaching, and development opportunities Support from a dynamic, collaborative, progressive, and high performing team, as well as world-class tools and training
Opportunity to achieve great success and grow your career with RBC
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Inclusion and Equal Opportunity Employment
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We also strive to provide an accessible candidate experience for our prospective employees with different abilities. Please let us know if you need any accommodations during the recruitment process.
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