Bilingual Commercial Mortgage Analyst, Commercial Credit Adjudication

Royal Bank of Canada; Montreal; On-site; CAD 80,000 - 110,000; Full time

Job summary

Royal Bank of Canada in Montreal is seeking a Commercial Mortgage Credit Analyst to support Relationship Managers and their clients with annual reviews and term renewals of facilities. You will review Borrower Risk Ratings and ensure credit structures mitigate risk while enabling RMs to focus more on client interactions.

The role requires strong financial analysis, bilingual English/French skills, and collaboration with risk management teams.

Qualifications

• Commercial or Small Business credit analysis/lending experience
• Solid experience with analyzing company financial statements
• Bilingualism (English and French) required
• Demonstrated ability to work and collaborate effectively with various stakeholders
• Professional verbal and written communication skills
• Effective time management and adaptability
• Ability to structure transactions with a client-centric approach while mitigating risk
• Flexibility to consider RMs' point of view in credit structuring and decision process

Responsibilities

• Develop knowledge of the Commercial Mortgage product to support Relationship Managers and their clients
• Apply credit expertise and adopt continuous improvement to the client experience
• Streamline credit structures to simplify processes for clients
• Maximize opportunity spotting to enhance retention, referrals and client care
• Provide quality business and financial analysis for existing clients and improve turnaround on credit requests
• Partner with RMs, Group Risk Management and other service partners
• Coach and mentor RMs and service partners to meet client needs
• Take ownership of escalations to reach mutually acceptable solutions

Skills

Commercial credit analysis

Financial statement analysis

Bilingual English/French

Stakeholder collaboration

Verbal and written communication

Education

Finance or accounting degree

Job description

Job Description

What is the opportunity?

You will apply commercial credit expertise to achieve strategic priorities and support Relationship Managers (RMs) and their Commercial Mortgage clients in the annual review and term renewal of Commercial Mortgage facilities of all amounts, including adjudication of new credit. You will be accountable for reviewing and establishing Borrower Risk Ratings (BRR) where Commercial Mortgage exposure is at least 75% of the Borrower authorized exposure for Commercial Mortgage clients, ensuring credit structures adequately mitigate the respective credit risks. You will effectively manage the credit renewal process, to enable RMs to spend more time with clients.

What will you do?

• Develop knowledge and experience of the Commercial Mortgage product and industry to support the credit needs of Commercial Relationship Managers and their Commercial Mortgage clients
• Apply your expertise to this role and take a continuous improvement approach to achieving a superior client experience
• Streamline processes to simplify credit structures and make processes easier for clients
• Maximize opportunity spotting to enhance retention, referrals, sales and superior client care
• Provide quality business and financial analysis for existing clients and improve turn around on credit requests
• Partner with RMs, Group Risk Management and other key service partners.
• Maximize effectiveness through coaching, mentoring and assisting RMs, service partners and others to meet client needs
• Take ownership of escalations to reach mutually acceptable solutions

What do you need to succeed?

Must-have

• Commercial or Small Business credit analysis/lending experience
• Solid experience with analyzing company financial statements
• Bilingualism (English and French) required, as you will regularly do business with RBC partners and/or employees across Canada with English and French speaking needs
• Demonstrated ability to work and collaborate effectively and partner with various stakeholders
• Professional verbal and written communication skills
• Effective time management skills and adapt to a changing environment
• Ability to structure transactions with a client centric approach, while mitigating risk
• Flexibility to consider RMs' point of view in the credit structuring and decision process

Nice-to-have

• Account Management or similar client facing experience
• Understanding of commercial lending guidelines and policies
• Degree in a finance or accounting-related field

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
• A professional and supportive team environment
• Ability to make a difference and lasting impact
• Opportunity to take on progressively greater accountabilities

Job Skills

• Accounting Finance
• Commercial Mortgage Lending
• Communication
• Credit Adjudication
• Credit Decisions
• Financial Risk Analysis
• Financial Statement Review

Additional Job Details

Address:

1 PLACE VILLE MARIE:MONTRÉAL City:

Montréal Country:

Canada Work hours/week:

37.5 Employment Type:

Full time Platform:

PERSONAL & COMMERCIAL BANKING Job Type:

Regular Pay Type:

Salaried Posted Date:

2026-09-15 Application Deadline:

2026-11-13 Note : Applications will be accepted until 11:59 PM on the day prior to the application deadline date above

Our Employment Opportunities

At RBC, we are guided by living shared values of Client First, Integrity, Collaboration, Respect and Excellence and winning together as One 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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