Associate Director - GRM Commercial Credit - Real Estate

Job Description

What is the opportunity?

The Group Risk Management Real Estate team provides independent assessment of business and financial risks for individual borrowers as a 2nd Line of Defense in the Enterprise Risk Management Framework and Governance.

The Associate Director will be involved in supporting many functions such as effective monitoring and control on all material credit risks across RBC’s Real Estate 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?

• Adjudicate Real Estate 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

• Undergraduate degree in business or risk related field, Masters in Finance or Risk, MBA and in pursuit of CFA/FRM designation preferred
• Strong risk assessment & financial analysis skills
• Business and financial insight
• Excellent communication and conflict resolution skills
• Bilingualism (English and French) required, as you will regularly serve our clients with English and French speaking needs.

Nice to Have

• Previous credit skills with a high degree of proficiency, preferably in risk management, commercial banking, and/or real estate lending experience
• In-depth knowledge of RBC risk policies, procedures & practices, folios, etc.
• Proficiency with Bank’s internal platforms, such as Synergy and Newton
• Knowledge of financial modelling

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 and competitive compensation
• Leaders who support your development through coaching and managing opportunities
• Ability to make a difference and lasting impact 
• Flexible work/life balance options
• Work in a dynamic, collaborative, progressive, and high-performing team
• Opportunities to do challenging work

Job Skills

Coaching Others, Communication, Confidentiality, Decision Making, Detail-Oriented, Information Capture, Process Management, Quality Management, Risk Management, Standard Operating Procedure (SOP)

Additional Job Details

Address:

1 PLACE VILLE MARIE:MONTRÉAL

City:

Montréal

Country:

Canada

Work hours/week:

37.5

Employment Type:

Full time

Platform:

GROUP RISK MANAGEMENT

Job Type:

Regular

Pay Type:

Salaried

Posted Date:

2025-08-08

Application Deadline:

2025-08-22

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.

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Expand your limits and create a new future together at RBC. Find out how we use our passion and drive to enhance the well-being of our clients and communities at jobs.rbc.com.