Associate Director, Credit Structures

What is the opportunity?
Join Canada's top private bank for this interesting opportunity. RBC has been ranked "Best Private Banking Services Overall" in Canada for an unprecedented eleventh consecutive year. Similar recognitions have been awarded year after year to this growing leader in Private Banking.
Please visit: http://www.rbcwealthmanagement.com/privatebanking/index.html for more information.
This a specialized role within the Private Banking Credit team, providing dedicated support in the underwriting of annual reviews for our largest and most complex transactions and customers. You will interact with high net worth customers in developing appropriate credit structures, obtaining risk management approval and managing loan closing.

What will you do?

• Conduct annual credit reviews of borrowing relationships within the Private Banking complex credit book
• Partner with Private Bankers and other members of the Private Banking credit team to gather all information necessary to complete an annual review or new credit transaction
• Perform financial analysis of borrowers and guarantors on large, complex transactions
• Deal with personal holding / investment companies, professional corporations and trusts
• Deal with borrowers with complex personal and business structures
• Conduct securities and portfolio analysis
• Provide coaching and training to other credit team members
• Identify opportunities to improve credit management processes and work flow and participate in special projects

What do you need to succeed?

Must Have

• A passion for deep discovery and interaction with clients, which forms the base for success in all aspects of this role: formulating creative lending solutions, building effective credit structures and completion of well-presented credit applications in a fast-paced environment
• Lending experience in retail, commercial or capital markets
• Experience with analyzing complex financial statements
• Solid capability and interest in Excel / financial modeling
• University graduate with business-related knowledge

Nice to Have

• Ability to manage to tight timelines.
• Decisiveness along with results orientation
• Completed CFA or MBA

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 stock where applicable
• Leaders who support your development through coaching and managing opportunities
• Work in a dynamic, collaborative, progressive, and high-performing team
• Flexible work/life balance options
• Opportunities to take on progressively greater accountabilities
• Opportunities to building close relationships with clients
• Access to a variety of job opportunities across business and geographies

About RBC
Royal Bank of Canada is Canada's largest bank, and one of the largest banks in the world, based on market capitalization. We are one of North America's leading diversified financial services companies, and provide personal and commercial banking, wealth management, insurance, investor services and capital markets products and services on a global basis. We have over 80,000 full- and part-time employees who serve more than 16 million personal, business, public sector and institutional clients through offices in Canada, the U.S. and 37 other countries. For more information, please visit rbc.com .

Inclusion and Equal Opportunity Employment
RBC is an equal opportunity employer committed to diversity and inclusion. We are pleased to consider all qualified applicants for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, protected veterans status, Aboriginal/Native American status or any other legally-protected factors. Disability-related accommodations during the application process are available upon request.