Senior Manager, Commercial Lending - Credit Risk & Profitability Monitoring

RBC; Toronto; On-site; CAD 90,000 - 130,000; Full time

Job summary

RBC is seeking a Senior Manager for Commercial Lending to oversee Credit Risk and Profitability Monitoring. The role involves supporting Relationship Managers, enhancing analytical capabilities, and collaborating across teams to ensure financial success and mitigate risks for clients. Ideal candidates will have an undergraduate degree and experience in financial analysis and commercial lending, with excellent communication skills.

Benefits

Comprehensive Total Rewards Program

Opportunities for career development

Dynamic and collaborative team environment

Ability to make a lasting impact

Qualifications

• Must have reporting and analysis experience.
• Proficiency with data management tools.
• Excellent written and verbal communication skills.

Responsibilities

• Support Relationship Managers in estimating transaction profitability.
• Review the profitability of the loan portfolio.
• Co-ordinate special industry reviews with CCG and GRM.

Skills

Business Credit

Commercial Credit Risk

Credit

Data Management

Financial Analysis

Education

Undergraduate degree in Business, Economics, Accounting, or Finance

Tools

Microsoft Excel

Microsoft Access

MS PowerPoint

Job description

Job Summary

Job Description

Note: this role is a full-time, fixed-term opportunity estimated for approximately 12 months

What is the opportunity?

As a Senior Manager, Commercial Lending - Credit Risk & Profitability Monitoring, you play a key role in the monitoring Credit Risk for the Commercial Banking portfolio and play a key part to implement initiatives to improve the profitability of the portfolio.

Commercial Banking offers a wide range of lending, deposit and transaction banking products and services to Canadian companies and foreign businesses in Canada. Our team of relationship managers and specialists serves the full lifecycle of commercial clients, from entrepreneurs and mid-market enterprises to the largest Canadian privately owned companies, public corporations and Canadian subsidiaries of global multinationals.

What will you do?

• Support Relationship Managers to estimate transaction and relationship profitability
• Review the profitability of the loan portfolio and explain variances to senior management
• Provide coaching to improve profitability for selected transactions
• Enhance portfolio analytic capabilities while reducing the amount of processing time by automating reports across several key parameters, including industry, geography, credit exceptions and credit quality
• Support watch list and triage process by liaising with deal teams across the country and work closely with key partners (including Corporate Client Group (“CCG”), Credit Management, Asset Based Lending and Group Risk Management (“GRM”)) to deliver a comprehensive document for watch list and triage meetings
• Identification of deteriorating credit trends and escalate the information to senior management
• Co-ordinate special industry reviews with CCG and GRM and prepare peer comparisons for selected industries within CCG

What do you need to succeed?

Must-have

• Undergraduate degree in Business, Economics, Accounting, or Finance
• Positive “can do” attitude, pro-active approach to problem solving, an open mind and an interest in understanding new processes and concepts
• Reporting and analysis experience
• Data management and presentation skills, including a proficiency with MS Excel, MS Access and MS PowerPoint, as well as ability using external data sources such as CapIQ
• Excellent written and verbal communication skills
• Understanding of credit products, principles and financial analysis
• Strong attention to details

Nice-to-have

• Graduate degree or professional designations (MBA, CPA, FRM or CFA)
• Work experience in corporate finance, commercial lending or corporate lending
• Experience in project management and change implementation
• Knowledge of RBC’s policies, procedures and systems

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 and 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
• Opportunities to do challenging work

Job Skills

Business Credit, Commercial Credit Risk, Credit, Credit Products, Credit Risks, Data Management, Financial Analysis, Financial Risk Management (FRM), Microsoft Access, Microsoft Excel

Additional Job Details

Address:

ROYAL BANK PLAZA, 200 BAY ST:TORONTO

City:

TORONTO

Country:

Canada

Work hours/week:

37.5

Employment Type:

Full time

Platform:

PERSONAL & COMMERCIAL BANKING

Job Type:

Contract (Fixed Term)

Pay Type:

Salaried

Posted Date:

2025-06-17

Application Deadline:

2025-07-05

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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Expand your limits and create a new future together at RBC. Find out how we use our passion and drive to enhance the well-being of our clients and communities at jobs.rbc.com.