What is the opportunity?
You will contribute to the strategic Canadian Banking (CB) and CB Operation’s business priorities by supporting Relationship Managers (RM) in the credit renewal process and the adjudication of credit origination for all files <$3MM TSNE. You will lead and coach a team of Commercial Credit Advisors (CAA), supporting RMs with the credit renewal process and adjudicating credit origination. You will be accountable for credit renewals, increases at renewal, reviewing and establishing the customer’s BRR and ensuring credit structures adequately mitigate the respective credit risks.

What will you do?

• Support Relationship Managers in the credit process
• Lead and coach a team of about seven CAA on credit analysis and structuring to enhance credit quality and client experience
• Focus on sound Risk Management, process efficiency, and process alignment specifically for credit renewals and adjudication for direct reports
• Accountable for credit renewals, including increases at renewal, reviewing and establishing the client’s risk rating (BRR), and ensuring credit structures
• Adjudicate transaction requests within Delegated Lending Authorities using sound judgment and employing a balanced approach to growth and portfolio quality

What do you need to succeed?

Must-have

• Experience in Small Business and/or Commercial credit
• Strong leadership skills
• Deep expertise in Small Business or Commercial lending guidelines and policies
• Solid knowledge of commercial credit analysis and adjudication
• Professional oral and written communication and presentation skills
• University degree

Nice-to-have

• People management experience
• Prior experience as a Small Business or Commercial account manager
• Experience using MS Outlook, RBCnet, CWB, SYNERGY, NEWTON, word processing & spreadsheets
• Industry experience in multiple sectors, such as Real Estate, Health Care, Manufacturing, Business Professionals or Tech Banking

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 bonuses and flexible benefits, competitive compensation, commissions and stocks where applicable.
• Leaders who support your development through coaching and managing opportunities.
• Ability to make a difference and lasting impact.
• Work in a dynamic, collaborative, progressive and high-performing teams
• Opportunities to building close relationships with clients

Job Skills

Coaching Others, Confidentiality, Credit Analysis, Ethical Business, Financial Statement Analysis, Information Capture, Process Management, Risk Management, Standard Operating Procedure (SOP), Taking Ownership

Additional Job Details

YORK MILLS CENTRE, 20 YORK MILLS RD:TORONTOTORONTOCanada37.5Full timePERSONAL & COMMERCIAL BANKINGRegularSalaried2025-06-132025-06-20

Note: Applications will be accepted until 11:59 PM on the day prior to the application deadline date above

Inclusion and Equal Opportunity Employment

At 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.