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Job Description
What is the Opportunity?
As part of the Group Risk Management team, the Director will be involved in supporting many functions such as effective monitoring and control on all material credit risks across RBC's Real Estate Development Lending Portfolio, and assessment of risks at a transactional level for each individual credit. You will focus on maintaining the risk profile, alignment with the business, operational effectiveness, sharing best practices with business partners and working towards high level of efficiency in management of assigned portfolios, and enhancing the client experience.
What will you do?
- Works with the Team to maintain a strong risk profile, and managing assigned portfolio in such a way as to minimize losses and maximize return
- Adjudicate Real Estate Development credit applications within your delegated lending limits. Influence portfolio quality through strategic assessment of risk, attention to data quality and knowledge-sharing.
- Ensure accurate and consistent processes/controls are in place and being followed to protect shareholder interests. Ensure credit transactions are adjudicated, for the most part, within Policy Guidelines, Standards, and Procedures and mitigate risks as necessary.
- Deliver consistent decisions with solid communication of rationale for support, amendments or declines.
- Ensure clients and colleagues are treated with respect, a highly professional empathetic approach is used, and good working relationships are maintained. Look for, and act upon, opportunities to strengthen the efficiency, accessibility and responsiveness of key risk processes and practices.
- Partner with stakeholders to achieve collective results. Act as a catalyst to ensure team is strategically aligned with business strategies while maintaining the Bank's desired risk profile.
- Take initiative to proactively seek, demonstrate, and facilitate consistency in credit adjudication fully utilizing other resources including other risk teams.
What do you need to succeed?
Must Have:
- 5+ years of risk management experience and/or Commercial Account Management experience with a preferred focus on Real Estate Construction and Development.
- Strong communication, coaching, and conflict resolution skills
- Undergraduate Degree in Business is required
Nice-to-Have:
- In-depth knowledge of RBC Risk Policies, procedures & practices, Folios etc.
- Proficiency with Bank Technology.
- Post graduate qualifications (CFA, CMA, MBA etc.)
- Bilingual - Fluency in French
What is in it for you?
We thrive on the challenge to be our best, progressive thinking, to keep growing, and working together to build and deliver trusted reporting to help our stakeholders succeed 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 bonuses and flexible benefits, competitive compensation
- Ability to make a difference and lasting impact
- Work in a dynamic, collaborative, progressive, and high-performing team
- Opportunities to take on progressively greater accountabilities
Job Skills
Accounting Finance, Asset and Liability Management (ALM), Commercial Loan Review, Confidentiality, Credit Analysis, Customer Service, Customer Success, Detail-Oriented, Financial Statement Analysis, Risk ManagementAdditional Job Details
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Inclusion and Equal Opportunity Employment
At RBC, we embrace diversity and inclusion for innovation and growth. We are committed to building inclusive teams and an equitable workplace for our employees to bring their true selves to work. We are taking actions to tackle issues of inequity and systemic bias to support our diverse talent, clients and communities.
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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