Commercial Credit Advisor, Agriculture

RBC; Guelph; On-site; CAD 70,000 - 100,000; Full time

Job summary

RBC in Guelph, Canada is seeking a Commercial Banking professional to support Relationship Managers in credit renewal and adjudication up to $2 MM exposure, with a focus on Agriculture. You will review borrower risk ratings and approve exceptions within delegated authorities, delivering client‑centred solutions.

You will work with Risk Management and the Business Service Centre to streamline processes, shorten response times and grow trusted client relationships through sound credit judgment and

Qualifications

• Commercial banking experience is required.
• Strong knowledge of the Agriculture industry.
• Solid ability to analyze financial statements.
• Excellent verbal and written communication skills.
• Degree in Finance, Commerce, Management or Agriculture.

Responsibilities

• Assist RMs with credit renewals and balance client needs while tracking review schedules.
• Prepare renewals with KYC, transaction structure, risk analysis and client strategy.
• Apply Agriculture industry knowledge to support credit needs.
• Identify risk issues and monitor economic trends; advise on corrective actions.
• Collaborate with Commercial Account Managers to optimize processing time.
• Support opportunity spotting to enhance retention and referrals.
• Demonstrate teamwork and coaching within the group.

Skills

Commercial Banking

Agriculture knowledge

Financial statement analysis

Communication skills

Education

Finance/Commerce/Management/Agriculture degree

Tools

Newton

Synergy

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.

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 Agriculture

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

Agriculture Industry, Commercial Credit Risk, Commercial Loan Review, Confidentiality, Detail-Oriented, Financial Statement Analysis, Small Business Lending

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: 2026-10-01

Application Deadline: 2026-10-16

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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