Manager, Credit Structures (UHNW)

RBC; Montreal; On-site; CAD 85,000 - 110,000; Full time

Job summary

A leading financial institution is seeking a Manager, Credit Structures in Montreal. This role requires innovative credit solutions and client relationship management for Private Banking clients, particularly in the UHNW segment. Responsibilities include managing credit proposals and delivering high-quality service. The ideal candidate should have at least 5 years in credit granting, be bilingual in English and French, and possess strong analytical skills. The position offers comprehensive benefits and supports professional development.

Benefits

Comprehensive Total Rewards Program

Coaching and management support

Dynamic and collaborative team environment

Qualifications

• Minimum 5 years of experience in credit granting to personal and/or business clients.
• Proven ability to analyze financial statements.
• Superior client relationship management skills.

Responsibilities

• Provide high-end relationship management and credit advice to high net worth Canadians.
• Deliver best-in-class credit experience through client needs analysis.
• Prepare and submit comprehensive credit proposals with urgency.
• Lead discussions around mortgage renewals and manage requests.
• Manage credit renewals by meeting deadlines.

Skills

Client relationship management

Bilingual (English and French)

Financial statement analysis

Job description

Job Description

What is the opportunity?

As Manager, Credit Structures (UHNW), you will be a credit professional providing innovative credit solutions, professional value-added advice, and credit expertise to Private Banking clients, particularly with the UHNW segment. You will be responsible for Private Banking client credit relationships and focused on winning as One RBC by introducing clients to the right solutions, partners, and capabilities at the right time.

What will you do?

• Provide high-end relationship management and credit advice to high net worth Canadians following all five principles of the Black Card Experience.
• Deliver a superior, professional, best-in‑class credit experience through excellence in completing deep‑discovery conversations with clients regarding their credit needs, analyzing the various options while leveraging the tools at your disposal, and presenting solutions centered on credit advice.
• Provide proactive credit advice to all Private Banking clients and develop innovative and creative credit solutions.
• Prepare and submit comprehensive and accurate credit proposals for approval with a sense of urgency, supported by required due diligence and analysis of financial statements.
• Lead the discussion with clients around mortgage renewals and process client requests.
• Proactively manage credit renewals by submitting files within deadlines.

What do you need to succeed?

Must‑have

• A minimum of 5 years of experience in credit granting to personal and/or business clients.
• Proven ability to analyze financial statements.
• Bilingualism (English and French) required, as you will regularly serve our clients with English and French‑speaking needs.
• Superior client relationship management skills.

Nice‑to‑have

• Knowledge and understanding of RBC Private Banking financing products, credit/risk procedures, guidelines, and standards.
• Experience working with high net worth clients.
• Experience in Commercial and/or Capital Markets.

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 including bonuses, flexible benefits, and competitive compensation.
• Leaders who support your development through coaching and managing opportunities.
• Ability to make a difference and lasting impact.
• Work in a dynamic, collaborative, progressive, and high‑performing team.

Job Skills

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: 2025-12-11

Application Deadline: 2025-12-25

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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