Associate Director, Credit Risk

RBC

Toronto

On-site

CAD 120,000 - 160,000

Full time

2 days ago

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Job summary

RBC in Toronto is seeking an Associate Director, Credit Risk with a focus on data centers and real estate lending to deepen sector expertise and influence deal structures. You will balance client needs with RBC’s risk objectives and navigate a fast-paced environment.

Collaborate with business teams to identify risks, perform comprehensive credit analyses, and guide decisions with robust financial modeling and market awareness. Eligible for a strong rewards program and professional growth.

Qualifications

3–6 years of experience in a financial institution or rating agency.
Comprehensive understanding of financial statements and financial analysis.
Advanced communication skills to influence decision making.
Significant experience with Excel for financial modeling.
Analytical mindset with attention to key details under tight timelines.
Ability to navigate obstacles and ambiguity with competing priorities.
Strong collaboration to develop effective solutions and recommendations.

Responsibilities

Conduct comprehensive credit assessments of data center and real estate borrowers.
Analyze transactions, evaluating construction risk, operational risk, sponsor strength, and cash flow adequacy.
Work collaboratively with business teams early in the transaction lifecycle to identify key credit risks and recommend appropriate deal structures.
Review and adjudicate Credit Requests within agreed timelines, assign risk ratings, and elevate exceptions as needed.
Conduct ongoing risk assessments incorporating monitoring of performance, industry trends, regulatory changes, and early warning signals.
Review complex financial models, perform scenario analysis, and prepare peer group comparisons to support risk rating recommendations.

Skills

Financial analysis

Excel proficiency

Communication skills

Analytical mindset

Collaboration

Time management

Education

MBA

CPA/CFA

Tools

Bloomberg

SNL

Capital IQ

S&P/Moody's/Fitch ratings

Job description

What is the opportunity?

Join RBC as an Associate Director, Credit Risk specializing in data centers and real estate lending. This position offers the opportunity to develop deep expertise in rapidly evolving sectors while influencing deal structures and risk mitigation strategies. The successful candidate will work in a dynamic and fast paced environment that values the ability to manage competing priorities, build strong rapport with business partners and provide risk decisioning that balances client credit needs with RBC’s risk objectives.

Job Description

What will you do?

Conduct comprehensive credit assessments of data center and real estate borrowers including construction / project finance and corporate lending structures.
Analyze transactions, evaluating construction risk, operational risk, sponsor strength, and cash flow adequacy.
Work collaboratively with business teams early in the transaction lifecycle to identify key credit risks and recommend appropriate deal structures and mitigation strategies.
Review and adjudicate Credit Requests within agreed timelines, assign appropriate Risk Ratings, and elevate exceptions to applicable policies and guidelines.
Conduct timely risk assessments incorporating continuous monitoring of financial performance, industry trends, regulatory changes, and early warning signals.
Review complex financial models, conduct scenario analysis, and prepare peer group comparisons to support risk rating recommendations.

What do you need to succeed?

Must-Haves

3 – 6 years of experience working in a financial institution or rating agency, preferably with some project finance or real estate experience
Comprehensive understanding of financial statements and demonstrated experience in financial analysis
Advanced communication skills, including a proven ability to articulate recommendations to influence decision making
Significant experience with Excel, including using Excel as a tool for financial analysis and the ability to navigate a financial model
Analytical and curious mindset with the ability to identify key details while filtering out extraneous information
Ability to deal with obstacles and ambiguity in an environment that can involve competing priorities and tight timelines
Strong communication skills and ability to work collaboratively to develop effective solutions/recommendations

Nice-to-Haves

Completed, or in process of completing, an MBA and/or post graduate degree, CPA and/or CFA
Experience with online research tools (Bloomberg, SNL, Capital IQ, S&P/Moody's/Fitch ratings)
Interest in pursuing a career in Risk Management

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
A team-oriented environment with a focus on learning and development
Leaders who support your development through coaching and managing opportunities
Ability to make a difference and lasting impact

Job Skills

Accounting Finance, Commercial Loan Review, Credit Analysis, Credit Risk Analysis, Credit Risk Management, Detail-Oriented, Financial Accounting Analysis, Financial Statement Analysis, Project Finances, Real Estate, Risk Analysis, Risk Management

Additional Job Details

Address

ROYAL BANK PLAZA, 200 BAY ST:TORONTO

City

Toronto

Country

Canada

Work hours/week

37.5

Employment Type

Full time

Platform