Associate Director, Commercial Financial Services Finance

0000050007 Royal Bank of Canada; Kingston; On-site; CAD 90,000 - 130,000; Full time

Job summary

A leading company in financial services is seeking an Associate Director for Commercial Financial Services. The role emphasizes managing credit relationships and delivering tailored financial solutions to large commercial clients. The successful candidate will have proven experience in commercial lending, with strong analytical and communication skills. This full-time position offers challenging work and opportunities for growth within a collaborative environment.

Benefits

Opportunity for growth

Collaborative work environment

Qualifications

• Minimum three years’ experience in commercial lending at a major financial institution.
• Strong quantitative, financial modeling, and analytical skills.
• Ability to analyze financial statements.

Responsibilities

• Lead the end-to-end credit relationship for a defined client portfolio.
• Collaborate with clients and manage credit transaction processes.
• Maintain portfolio quality oversight through proactive management.

Skills

Financial analysis

Client relationship management

Quantitative skills

Analytical skills

Communication skills

Organizational skills

Education

Undergraduate degree in Business, Economics, Accounting, or Finance

MBA, CPA, or CFA certification (Nice-to-have)

Tools

Microsoft Office

Job description

What is the opportunity? As Associate Director, Commercial Financial Services (CFS) Finance, you are part of a team of in-person client-facing credit professionals aligned with our large commercial client segment within CFS, defined as commercial clients with annual sales revenue between $25MM and $125MM. You play a key role in achieving our business growth objectives through structuring, delivering, and managing credit for a portfolio of large commercial clients. You will lead the end-to-end credit relationship for a defined portfolio, focusing on loan origination and ongoing portfolio quality oversight. You will contribute to an exceptional client experience by providing superior business, financial, and credit advice directly to clients.

What will you do?

1. Collaborate with client relationship managers and CFS Directors to structure, deliver, close, and monitor loan transactions, including credit submissions to Group Risk Management (GRM) and transaction presentations to clients.
2. Assist in preparing and presenting credit pitches that clearly articulate the advantages and benefits of proposed credit solutions to existing and potential clients.
3. Demonstrate RBC’s capability to provide customized and creative credit solutions in a timely manner, meeting or exceeding client needs.
4. Manage all aspects of the credit approval process, including Commitments Committee and GRM, and develop strong relationships with National Office personnel and risk managers.
5. Actively develop, strengthen, and deepen client relationships, engaging with key RBC partners such as Group Risk Management, Private Banking, and Corporate Client Group.
6. Exercise due diligence in recommending credit applications, collaborating with Risk Management to support risk processes and guidelines, balancing credit risk and structural mitigants.
7. Maintain portfolio quality oversight through proactive 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 supporting 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, including the ability to analyze financial statements.
• Strong skills with Microsoft Office and experience with emerging digital resources and technology.
• Excellent verbal and written communication skills with high attention to detail.
• Strong organizational skills, ability to perform under pressure, prioritize tasks, and meet deadlines.

Nice-to-have

• MBA, CPA, or CFA certification.
• Experience in corporate lending, corporate finance, real estate, or sponsored transactions.
• Training in credit and accounting, with the ability to manage complex concepts.
• Ability to communicate in French.

What’s in it for you?

• Opportunity to make a meaningful impact and work in a dynamic, collaborative, and high-performing team.
• Challenging work with opportunities for growth.

Additional details

• Location: 90 Sparks St, Ottawa, Canada
• Full-time, 37.5 hours/week
• Posted on 2025-07-18, application deadline 2025-08-09

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