Senior Credit Risk Lead — Commercial Real Estate

RBC; Toronto; On-site; CAD 140,000 - 190,000; Full time

Job summary

RBC is seeking an Associate Director for Commercial & Wholesale Credit Risk to adjudicate a portfolio of large corporate accounts across Capital Markets, Corporate Client Group and Commercial Real Estate. The role offers exposure to multiple real estate markets, asset classes and lending structures.

You will assess borrower risk, perform in-depth credit analysis, and deliver timely, well-communicated recommendations while collaborating with internal stakeholders and adapting to market changes.

Qualifications

• Comprehensive understanding of financial statements and financial analysis experience.
• Strong written and verbal communication with ability to articulate recommendations.
• Advanced Excel skills for financial modelling and analysis.
• Ability to work under tight timelines and manage priorities.
• Experience with real estate financing, valuation, and corporate lending a plus.

Responsibilities

• Provide risk decisions balancing client needs with RBC risk objectives.
• Conduct credit analysis using RAF submissions to assess BRRs.
• Deliver timely credit decisions with clear rationale.
• Maintain relationships with front-line originators and internal partners.
• Monitor borrower performance through financials and market dynamics.
• Contribute to enterprise projects to enhance risk frameworks.

Skills

Financial analysis

Advanced communication

Analytical mindset

Collaboration

Risk management

Education

MBA

CPA

CFA

Tools

Excel

Bloomberg

Capital IQ

SNL

Moody's / Fitch

Job description

RBC is seeking an Associate Director for Commercial & Wholesale Credit Risk to adjudicate a portfolio of large corporate accounts across Capital Markets, Corporate Client Group and Commercial Real Estate. The role offers exposure to multiple real estate markets, asset classes and lending structures.

You will assess borrower risk, perform in-depth credit analysis, and deliver timely, well-communicated recommendations while collaborating with internal stakeholders and adapting to market changes.