Director, Credit Structures

RBC; Calgary; On-site; CAD 90,000 - 150,000; Full time

Job summary

An established industry player is seeking a Director of Credit Structures to provide specialized support in underwriting complex credit transactions. This exciting role involves working directly with Very High Net Worth clients, crafting tailored credit solutions, and collaborating with various banking sectors to enhance credit structuring capabilities. The position offers a dynamic environment where challenges are met with innovative solutions, promoting growth and collaboration. If you are results-oriented and thrive in a fast-paced setting, this opportunity is perfect for you.

Benefits

Flexible Benefits

Career Development Opportunities

Competitive Pay

Bonuses

Qualifications

• University degree with business knowledge, preferably CFA or MBA.
• Strong experience in lending and underwriting complex transactions.

Responsibilities

• Underwriting new lending opportunities and structuring tailored credit solutions.
• Partnering with Private Bankers for proactive credit advice.

Skills

Lending Experience

Negotiation Skills

Client Focus

Risk Management

Business Development

Education

CFA or MBA

University Graduate in Business

Tools

Synergy

Newton

Excel Financial Modeling

Job description

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What is the opportunity?

The Director, Credit Structures (DCS) is a specialized role within RBC Private Banking, providing dedicated support in the underwriting of new credit opportunities. Specifically, you will be responsible for providing support to the private banking team in the underwriting of some of our largest and most complex transactions and customers. In this role, you will work directly with our Very High Net Worth customers in developing appropriate credit structures, obtaining risk management approval, and managing loan closing.

Location

To be determined.

Job Summary

Job Description

The Director, Credit Structures (DCS) is a specialized role within RBC Private Banking, providing dedicated support in the underwriting of new credit opportunities. Specifically, you will be responsible for providing support to the private banking team in the underwriting of some of our largest and most complex transactions and customers. In this role, you will work directly with our Very High Net Worth customers in developing appropriate credit structures, obtaining risk management approval, and managing loan closing.

What will you do?

• Discovery and underwriting of new lending opportunities, including larger, complex transactions, holding/investment companies, borrowers with complex personal/business structures, securities, portfolio analysis, tax/trust complexity.
• Structure competitively tailored credit solutions larger and more complex than those customary in Private Banking.
• Partner with Private Bankers to provide proactive credit advice, supporting an exceptional Private Banking credit experience.
• Deepen client relationships through ongoing management of wholesale credit files.
• Leverage tools and resources related to lending practices and products to support advice and recommendations, including renewals.
• Work with the Associate Director, Credit Structures, for renewals and loan document signing activities.
• Establish credibility and build positive relationships with Group Risk Management by presenting comprehensive, high-quality credit requests.
• Leverage expertise from Tax, Legal, Commercial Markets, Capital Markets, and National Office to enhance credit structuring capabilities.
• Maintain a list of high potential complex credit opportunities and engage in proactive marketing strategies.

What do you need to succeed?

Must-have

• University graduate with business-related knowledge (preferred: CFA or MBA).
• Strong lending experience, including formulating creative lending solutions and thorough underwriting.
• Experience in business/commercial markets, lending, account management, or risk management.
• Strong client focus, negotiating skills, ability to manage tight timelines, results-oriented, team player, self-motivated, excellent communication skills.
• Ability to partner with other areas of the bank (Risk Management, Business Banking, Capital Markets, Insurance).
• Working knowledge of Synergy and Newton platforms.

Nice-to-have

• Familiarity with secured lending structures and documentation.
• Strong business development skills.
• Knowledge of securities.
• Financial modeling skills in Excel.

What’s in it for you?

We thrive on challenges, growth, and collaboration to deliver trusted advice. We care about our people, community impact, and mutual success. Benefits include bonuses, flexible benefits, competitive pay, career development, and opportunities for greater responsibilities across geographies.

Additional Details

Address: VANCOUVER MAIN BRANCH (B), 1055 GEORGIA ST W, VANCOUVER, Canada.

Work hours/week: 37.5.

Employment Type: Full-time, Salaried.

Platform: PERSONAL & COMMERCIAL BANKING.

Posted Date: 2025-04-21.

Application Deadline: 2025-05-09.

Note: Applications accepted until 11:59 PM the day prior to the deadline.

Inclusion and Equal Opportunity Employment

RBC values diversity and inclusion, fostering a respectful workplace that supports growth, collaboration, and innovation. We are committed to equitable policies and programs.