Associate Director - Credit Risk - Securitization

RBC; New York (NY); On-site; USD 120,000 - 200,000; Full time

Job summary

RBC in New York is seeking an experienced risk professional to provide effective risk assessment, credit analysis, adjudication and monitoring of an Asset-Backed Securities (ABS) portfolio. You will assign ratings, monitor portfolio performance and collaborate with the business line on new transactions.

The role requires 3+ years in securitization or structured products, strong written and verbal skills and proficiency with AI tools and MS Office.

Qualifications

• 3+ years experience with securitization or structured products.
• Previous credit risk or rating agency experience preferred.
• High attention to detail and confidence / ability to challenge the first line.
• Ability to write and present credit recommendations in a clear and concise manner.
• High level of self-motivation; able to manage conflicting priorities.
• Able to work independently; able to work well in teams.
• Proficiency with AI tools, Word, Excel, PowerPoint.

Responsibilities

• Assess and monitor ABS borrowers across commercial and consumer asset classes.
• Evaluate less established ABS asset classes (Fiber, Data Centers) and incorporate risks.
• Provide effective risk assessment, credit analysis, adjudication and monitoring of assigned portfolio.
• Assign ratings to ABS borrowers and monitor for ratings accuracy.
• Collaborate with business line on risks of new transactions and provide guidance.
• Implement quantitative methods and tools to analyze data for credit risk monitoring.
• Ensure credit transactions follow risk management policies and guidelines.

Skills

Securitization

Structured Products

Credit Risk

Rating Agencies

Attention to detail

Credit Recommendations

Independent Work

AI Tools

MS Office

Tools

MS Word

MS Excel

PowerPoint

AI Tools

Job description

What is the Opportunity?

Provide effective risk assessment, credit analysis, adjudication and monitoring of an Asset-Backed Securities (ABS) portfolio.

Job Description

What is the Opportunity?

Provide effective risk assessment, credit analysis, adjudication and monitoring of an Asset-Backed Securities (ABS) portfolio.

What will you do?

• Assess and monitor Asset Backed Securities (ABS) borrowers across commercial and consumer ABS asset classes
• Evaluate less established / less granular ABS asset classes (Fiber, Data Centers, etc) and incorporate operating risks into assessments
• Provide effective risk assessment, credit analysis, adjudication and monitoring of assigned portfolio
• Assign ratings to ABS borrowers and continuously monitor portfolio for ratings accuracy
• Work closely with the business line on risks of new transactions under consideration and provide feedback and guidance as required
• Implement quantitative analytical methods and related technology-based tools to analyze data to effectively monitor, measure, and manage credit risks
• Ensure credit transactions are following credit risk management policies and procedures, limits, and guidelines

What do you need to succeed?

• 3+ years experience with Securitization or Structured Products. Candidates with Corporate NBFI or Project Finance will be considered
• Previous credit risk or rating agency experience preferred
• High attention to detail and confidence / ability to challenge the first line
• Ability to write and present credit recommendations in a clear and concise manner
• High level of self-motivation; able to manage conflicting priorities
• Able to work independently; able to work well in teams
• Proficiency with AI tools, Word, Excel, PowerPoint

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 include competitive compensation and flexible benefits, such as 401(k) program with company-matching contributions, health, dental, vision, life, disability insurance, and paid-time off.
• 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 and build close relationships with clients.

The expected salary range for this particular position is $120,000-$200,000 (New York), depending on your experience, skills, and registration status, market conditions and business needs.

You have the potential to earn more through RBC’s discretionary variable compensation program which gives you an opportunity to increase your total compensation, provided the business meets its performance targets and you meet your individual goals.

RBC’s compensation philosophy and principles recognize the importance of a highly qualified global workforce and plays a critical role in attracting, engaging and retaining talent that:

• Drives RBC’s high-performance culture
• Enables collective achievement of our strategic goals
• Generates sustainable shareholder returns

Job Skills

Accounting Finance, Credit Risk Management, Detail-Oriented, Financial Statement Analysis, Securitization

Additional Job Details

Address: BROOKFIELD PLACE FKA 3 WORLD FINANCIAL CENTER, 200 VESEY STREET:NEW YORK

City: New York

Country: United States of America

Work hours/week: 40

Employment Type: Full time

Platform: GROUP RISK MANAGEMENT

Job Type: Regular

Pay Type: Salaried

Posted Date: 2026-08-05

Application Deadline: 2026-10-31

Note: Applications will be accepted until 11:59 PM on the day prior to the application deadline date above

Our Employment Opportunities

At RBC, we are guided by living shared values of Client First, Integrity, Collaboration, Respect and Excellence and winning together as One 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 strides to deliver this through policies and programs intended to foster a workplace based on respect, belonging and opportunity for all.