Manager, Credit

RBC; Burlington; On-site; CAD 50,000 - 70,000; Full time

Job summary

RBC is looking for an Adjudication Associate in Burlington, responsible for decision-making on client borrowing requests while balancing revenue and risk. The ideal candidate must showcase customer service experience, be bilingual, and have a background in credit analysis, ensuring high service quality and adherence to banking policies.

Qualifications

• Experience in customer service excellence in a call handling environment.
• Bilingual in English and French.
• Prior credit experience with ability to apply credit principles.

Responsibilities

• Provide approval, decline or negotiation of credit applications within assigned DLA.
• Act as credit and product specialists, coaching sales unit employees.
• Complete full verification function and ensure compliance with banking policies.

Skills

Business Data Analysis

Communication

Credit Analysis

Critical Thinking

Database Queries

Data Visualization

Decision Making

Quantitative Methods

Risk Management

Job description

Job Summary

Job Description

What is the opportunity?

In this role, you will be responsible for reviewing and decision client borrowing requests/transactions within delegated lending authorities (DLA) with focus on the balance of revenue maximization and the appropriate risk profile. You will ensure the safety and soundness of RBC funds through strong judgment and analytical skills guided by RBC risk policy adherence. You will assess Risk respecting the discipline imposed by bank policies and maintain Client First Focus. You will make decisions on exceptions to credit principles, rules and guidelines as required, with all applications credit scored

What will you do?

• Adjudication Associate provides approval, decline or negotiation of credit applications/transactions within specifically assigned DLA and related accountabilities, ensuring timely delivery of credit decision
• Functional technical/product/operational expert and acts as escalation and/or referral point for quick problem solution
• Adjudicates credit from various delivery channels (e.g. Vendors, Brokers, Direct Sales etc..) advising client of decision
• Follows standard RBC lending policy and procedure guidelines
• Acts as credit and product specialists and in the normal course of adjudicating files, provides ongoing coaching for sales unit employees and peers to support credit quality and credit process risks as well as opportunity spotting for sales,
• When within established authorities and accountabilities, completes full verification function. Reviews transaction/source document details including authorizations, contracts and other documents ensuring:Transaction details are clearly outlined/definedWhere required, all documents are vetted to comply with product/service and form completion/legal requirements, eligibility and limit criteria and authorized policy Clear approval terms and conditions are specifically and clearly stated in order that documentation specified is obtained, and auditors can easily confirm that all outlined conditions/pre-conditions have been met prior to processing
• Exercises some judgment in making decisions, with escalations to appropriate levels
• Work requires continual reacting and adapting to change. Expected to process work volumes as measured through established service quality standards (e.g. Client Service Commitments) Follows established Coaching Routines and related activity to drive high performance and enhance client experience.

What do you need to succeed?

Must have:

• Experience in delivering customer service excellence in a call handling environment
• Bilingualism (English and French) required, as you will regularly do business with partners across Canada
• Prior credit experience and a demonstrated ability to apply credit principles
• Ability to work independently and interact effectively within a team
• A drive to work efficiently in a fast paced environment

Job Skills

Business Data Analysis, Communication, Credit Analysis, Critical Thinking, Database Queries, Data Visualization, Decision Making, Quantitative Methods, Risk Management

Additional Job Details

Address:

5575 NORTH SERVICE RD:BURLINGTON

City:

BURLINGTON

Country:

Canada

Work hours/week:

37.5

Employment Type:

Full time

Platform:

PERSONAL & COMMERCIAL BANKING

Job Type:

Regular

Pay Type:

Salaried

Posted Date:

2025-06-03

Application Deadline:

2025-06-17

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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