Associate Director, Commercial Financial Services Finance

RBC; Toronto; On-site; CAD 80,000 - 120,000; Full time

Job summary

An established industry player is seeking an Associate Director for Commercial Financial Services. This key role involves managing credit relationships for large commercial clients, focusing on loan origination and portfolio oversight. You will collaborate with client relationship managers to deliver tailored credit solutions, ensuring exceptional client experiences. The position offers a dynamic work environment where you can make a significant impact on business growth. Join a high-performing team dedicated to providing innovative financial services and fostering strong client relationships, while enjoying opportunities for professional development and collaboration.

Benefits

Dynamic Work Environment

Collaborative Team Culture

Professional Development Opportunities

Qualifications

• Proven track record in financial and credit analysis.
• Minimum three years’ experience in commercial lending.
• Strong quantitative and analytical skills.

Responsibilities

• Collaborate with client managers to structure loan transactions.
• Manage credit approval process and client relationships.
• Maintain portfolio quality oversight and manage renewals.

Skills

Financial Analysis

Credit Analysis

Client Relationship Management

Quantitative Skills

Analytical Skills

Organizational Skills

Communication Skills

Education

Undergraduate Degree in Business

MBA

CPA

CFA

Tools

Microsoft Office

Digital Banking Tools

Job description

Job Summary

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 to our large commercial client segment within CFS, defined as commercial clients with annual sales revenue between $25MM and $200MM+. You play a key role in realizing our business growth objectives through the structuring, delivery and management of credit for a portfolio of large commercial clients. You will lead the end-to-end credit relationship for a defined portfolio of clients with a focus on loan origination and ongoing portfolio quality oversight. You contribute to an exceptional client experience by providing superior business, financial and credit advice directly to clients.

What will you do?

• Collaborate with client relationship managers to structure, deliver, close, and monitor loan transactions, including credit submissions to Group Risk Management (GRM) and transaction presentations to clients

• Collaborate with client relationship managers in the preparation and presentation of credit pitchesthat clearly articulate advantages and benefitsof proposed credit solutions to existing and potential clients

• Demonstrate RBC’s capability to provide customized and creative credit solutions in a timely manner and deliver credit solutions that meet or exceed our client’s needs

• Manage all aspects of the credit approval process including Commitments Committee and GRM, developing strong working relationships with National Office personnel and risk managers.

• Actively develop, strengthen and deepen client relationships and engage with key RBC partners including Group Risk Management, Private Banking, Corporate Client Group (including the ABL, Mid-Market Leveraged & Infrastructure Finance, and Capital Partners teams), National Specialized Solutions (e.g. Leasing, Trade Finance), Personal Banking, and others

• Exercise due diligence in recommending credit applications, working in collaboration with Risk Management, especially in supporting risk processes and guidelines in order to find the appropriate mix of credit risk and structural mitigants

• Maintain portfolio quality oversight through proactive portfolio 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 in support of exceptional 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, as well as an ability to analyze company financial statements

• Strong skills with Microsoft Office, as well asexperience with emerging resources, communications and technology (e.g. online data resources, web-based meetings, social media, digital banking, and mobile applications)

• Professional verbal and written communication skills with a high level of attention to detail in both written work and financial analysis

• Strong organizational skills, ability to perform well under pressure, prioritize multiple tasks and projects, while meeting time-sensitive deadlines

Nice-to-have

• MBA, CPA or CFA

• Work experience in corporate lending/corporate finance with familiarity with financial sponsor backed transactions

• Work experience supporting and/or specialized in sponsored transactions

• Trained in credit and accounting with an ability to manage complex concepts

• Bilingual - English/French communication skills

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.

• Ability to make a difference and lasting impact

• Work in a dynamic, collaborative, progressive, and high-performing team

• Opportunities to do challenging work

Job Skills

Additional Job Details

Address:

RBC WATERPARK PLACE, 88 QUEENS QUAY W:TORONTO

City:

TORONTO

Country:

Canada

Work hours/week:

37.5

Employment Type:

Full time

Platform:

PERSONAL & COMMERCIAL BANKING

Job Type:

Regular

Pay Type:

Salaried

Posted Date:

2025-04-30

Application Deadline:

2025-05-22

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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