Associate Director, Commercial Mortgage Finance

RBC; Winnipeg; On-site; CAD 70,000 - 90,000; Full time

Job summary

A major financial institution in Winnipeg is seeking an Associate Director – Commercial Mortgage Finance to develop strategies, support sales, and enhance client experiences. The ideal candidate will have extensive experience in commercial banking, excellent financial acumen, and strong organizational skills. Responsibilities include underwriting credit submissions and managing multiple transactions effectively. Join a collaborative team that thrives on making a lasting impact in the community and enhancing client success.

Benefits

Opportunities for challenging work

Dynamic and collaborative team environment

Qualifications

• 5+ years’ experience in commercial banking or commercial real estate lending.
• Strong communication and interpersonal skills.
• Proven financial acumen and credit risk management skills.
• Strong organizational skills to manage multiple transactions.

Responsibilities

• Complete analysis on income-producing real estate properties and underwriting credit submissions.
• Exercise due diligence in transactions and know your client.
• Strategically price loans and maintain a balance of revenue and client satisfaction.
• Manage pipeline and related activities to retain business.

Skills

Advice Based Solutions

Commercial Mortgages

Commercial Mortgage Underwriting

Communication

Credit Analysis

Customer Experience (CX)

Decision Making

Financial Acumen

Negotiation Strategies

Education

Completed post-secondary education

Job description

Job Description

What is the opportunity? As an Associate Director – Commercial Mortgage Finance, you will develop and deliver strategies to support the execution of the sales plans within an assigned market territory and segment. You will contribute to a differentiated client experience providing Commercial Mortgage services to new and existing clients through insight, focused financial advice, and solutions to meet the clients’ business and financial goals. The role requires you to work from the main RBC office location in Winnipeg.

What will you do?

• Complete the full analysis on income-producing real estate properties, underwrite credit submissions to group risk management, present terms and conditions of financing to clients/partners and liaise with various internal and external partners for the disbursement of loan proceeds.
• Exercise due diligence with all transactions: know your client, transaction credit structure, risk-analysis and client strategy.
• Price strategically and collect fees, within prescribed guidelines and maintain a balance of growing commercial mortgage revenue, client profitability, and relationship building.
• Effectively manage pipeline and related activities to grow and retain business. Put clients first. Excel in responding to requests quickly and reliably, and ensure smooth operation of banking products and services.
• In conjunction with the relationship team, create exceptional client experiences by delivering value‑added advice aligned to your expertise and the client’s needs. Take responsibility of client problems at first point of contact and engage appropriate partners to effectively resolve the problems.
• Understand the client’s financial situation, leverage insight from colleagues to ensure respect for client’s time and demonstrate interest in the client’s business as part of your pre‑contact planning review for all client calls/meetings.
• Deliver financial and business advice through a differentiated value proposition. Present solutions that clearly articulate the benefits and advantages to the client. Help the client to understand alternatives, navigate and implement proposed solutions.
• Participate in the local market – industry and client events, business associations, customer appreciation days, community fundraising, etc.

What do you need to succeed?

Must‑have:

• Completed post‑secondary education and/or 5+ years’ experience in commercial banking or commercial real estate lending.
• Strong communication and interpersonal skills.
• Proven financial acumen as well as credit and risk management skills.
• Strong organizational skills. Ability to manage multiple transactions at various stages of the end‑to‑end sales process as well as other business priorities.

Nice to have:

• Experience in commercial real estate lending and/or commercial real estate transactions.

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: Advice Based Solutions, Commercial Mortgages, Commercial Mortgage Underwriting, Commercial Real Estate Lending, Communication, Credit Analysis, Critical Thinking, Customer Experience (CX), Data Analysis, Decision Making, Digital Literacy, Financial Acumen, Negotiation Strategies.

Additional Job Details

Address: 220 PORTAGE AVE:WINNIPEG

City: Winnipeg

Country: Canada

Work hours/week: 37.5

Employment Type: Full time

Platform: PERSONAL & COMMERCIAL BANKING

Job Type: Regular

Pay Type: Salaried

Posted Date: 2025-10-07

Application Deadline: 2026-01-31

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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RBC is presently inviting candidates to apply for this existing vacancy. Applying to this posting allows you to express your interest in this current career opportunity at RBC. Qualified applicants may be contacted to review their resume in more detail.