Commercial Credit Advisor, Agriculture

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

Job summary

RBC is seeking a Commercial Credit Advisor specializing in agriculture to support credit renewals and client acquisition. The role focuses on mitigating credit risks and ensuring superior client service while collaborating closely with Relationship Managers. Ideal candidates will have a finance-related degree and commercial banking experience, particularly in the agriculture sector.

Benefits

4 weeks’ vacation to start

Comprehensive Total Rewards Program

Support for development

Opportunity for impact

Qualifications

• Experience in Commercial Banking or credit roles.
• Knowledge of the Agriculture industry.
• Strong verbal and written communication skills.

Responsibilities

• Support Relationship Managers in credit renewals.
• Adjudicate transaction requests within lending authority.
• Develop strong working relationships to optimize processing time.

Skills

Credit Analysis

Customer Service

Financial Statement Analysis

Risk Management

Education

Degree in Finance, Commerce, Management or Accounting

Tools

Newton

Synergy

Job description

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What is the opportunity?

You will support Relationship Managers (RM) in credit renewal and adjudication of files < $2 MM Total Single Name Exposure, primarily in the Agriculture industry, and including new client acquisitions and increases at renewal, reviewing and establishing Borrower Risk Rating (BRR) ensuring credit structures mitigate credit risks. You will adjudicate transaction requests and approve policy exceptions within Delegated Lending Authorities using sound judgment and a balanced approach to portfolio quality. You will deliver on superior client service by structuring transactions with a client centric approach and creating strong partnerships with RMs, Group Risk Management and Business Service Centre in order to optimize the internal process, reduce response times and increase effectiveness.

Job Summary

Job Description

What is the opportunity?

You will support Relationship Managers (RM) in credit renewal and adjudication of files < $2 MM Total Single Name Exposure, primarily in the Agriculture industry, and including new client acquisitions and increases at renewal, reviewing and establishing Borrower Risk Rating (BRR) ensuring credit structures mitigate credit risks. You will adjudicate transaction requests and approve policy exceptions within Delegated Lending Authorities using sound judgment and a balanced approach to portfolio quality. You will deliver on superior client service by structuring transactions with a client centric approach and creating strong partnerships with RMs, Group Risk Management and Business Service Centre in order to optimize the internal process, reduce response times and increase effectiveness.

What will you do?

• Assist RMs with completing credit renewals, balance client needs and high risk situations effectively, while ensuring account managers are informed of any changes in the review schedule
• Exercise due diligence in preparing credit renewals and adjudication re: know your client, know the transaction, credit structure, risk analysis and client strategy
• Apply sound knowledge of the Agriculture industry segment to support the credit needs of RMs and their clients
• Identify risk issues and take proactive action, keep up-to-date on economic trends and stay abreast of Credit Administration & Compliance Trends, recommending action to correct unsatisfactory situations
• Develop strong working relationships with the Commercial Account Managers to optimize overall processing time
• Assist Commercial Account Manager in maximizing opportunity spotting with all clients to enhance retention, referrals, and sales activities and contribute to superior client care
• Demonstrate commitment to team work and collaboration through coaching
  
  

What do you need to succeed?

Must-have

• Previous Commercial Banking, Small Business lending or credit experience
• Strong business acumen and general Agriculture industry knowledge
• Solid company financial statement analysis skills
• Professional oral and written communication skills
• Degree in a Finance, Commerce, Management or an accounting related field
  
  

Nice-to-have

• Knowledge of commercial financial services credit tools, including Newton & Synergy
• Experience as a Relationship Manager and/or Financing Specialist
• Bilingual in French and English
  
  

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.

• 4 weeks’ vacation to start
• A comprehensive Total Rewards Program
• Leaders who support your development
• Ability to make a difference and lasting impact
• Opportunity to take on progressively greater accountabilities
  
  

Job Skills

Accounting Finance, Asset and Liability Management (ALM), Commercial Loan Review, Confidentiality, Credit Analysis, Customer Service, Customer Success, Detail-Oriented, Financial Statement Analysis, Risk Management

Additional Job Details

Address:

221 WOODLAWN RD W:GUELPH

City:

GUELPH

Country:

Canada

Work hours/week:

37.5

Employment Type:

Full time

Platform:

PERSONAL & COMMERCIAL BANKING

Job Type:

Regular

Pay Type:

Salaried

Posted Date:

2025-04-10

Application Deadline:

2025-06-09

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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Seniority level

• Seniority level

  Not Applicable

Employment type

• Employment type

  Full-time

Job function

• Job function

  Finance and Sales

• Industries

  Banking and Financial Services

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