Job Description

Description du poste
What is the Opportunity?
The Group Risk Management Real Estate team provides independent assessment of business and financial risks for individual borrowers as a 2nd Line of Defense in the Enterprise Risk Management Framework and Governance.
The Associate Director, covering national accounts for RBC's credit risk function will be tasked with the assessment of risks at a transactional level for each individual credit. You will focus on maintaining the risk profile, alignment with the business, operational effectiveness, sharing best practices with business partners and working towards high level of efficiency in management of assigned portfolios, and enhancing the client experience.
What will you do?
Adjudicate Real Estate credit applications within your delegated lending limits. Influence portfolio quality through strategic assessment of risk, attention to data quality and knowledge-sharing.
Ensure accurate and consistent processes/controls are in place and being followed to protect shareholder interests. Ensure credit transactions are adjudicated, for the most part, within Policy Guidelines, Standards, and Procedures and mitigate risks as necessary.
Deliver consistent decisions with solid communication of rationale for support, amendments or declines. Expected to communicate decisions to senior members of the team.
Ensure clients and colleagues are treated with respect, a highly professional empathetic approach is used, and good working relationships are maintained.
Partner with stakeholders to achieve collective results. Act as a catalyst to ensure team is strategically aligned with business strategies while maintaining the Bank's desired risk profile.
Take initiative to proactively seek, demonstrate, and facilitate consistency in credit adjudication fully utilizing other resources including other risk teams.
What do you need to succeed?
Must Have
Undergraduate degree in business or risk related field, Masters in Finance or Risk, MBA and in pursuit of CFA/FRM designation preferred
Strong risk assessment & financial analysis skills
Business and financial insight
Excellent communication and conflict resolution skills
Bilingualism (English and French) required, as you will regularly serve our clients and do business with RBC partners and/or employees across Canada with English and French speaking needs
Nice to Have
Previous credit skills with a high degree of proficiency, preferably in risk management, commercial banking, and/or real estate lending experience
In-depth knowledge of RBC risk policies, procedures & practices, folios, etc.
Knowledge of financial modelling
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
Flexible work/life balance options
Work in a dynamic, collaborative, progressive, and high-performing team
Opportunities to do challenging work
Competences professionnelles Axe sur les details, Capture d'information, Communication, Confidentialite, Gestion de qualite, Gestion des processus, Gestion du risque, Offrir du mentorat aux autres, Prise de decision, Procedure normalisee d'exploitation
Details supplementaires de l'emploi
Adresse: 1 PLACE VILLE MARIE:MONTREAL
Ville: Montreal
Pays: Canada
Nombre d'heures de travail par semaine: 37.5
Type d'emploi: temps plein
Secteur d'activite : Gestion des risques du Groupe
Type de fonction : Regulier
Type d'echelle salariale: Salarie
Date d'affichage: 2025-10-03
Date limite des candidatures: 2025-10-15
Remarque: Les demandes seront acceptees jusqu'a 23 h 59 le jour precedant la date limite de presentation des demandes ci-dessus
Inclusion et equite en matiere d'emploi
A RBC, nous pensons qu'un milieu de travail inclusif offrant des points de vue diversifies est essentiel a notre croissance continue, en tant qu'institution financiere parmi les plus grandes et les plus rentables au monde. Notre milieu de travail propice a l'excellence, a la collaboration, a l'innovation et a l'epanouissement professionnel de nos employes contribue a concretiser notre raison d'etre et a generer de la valeur pour nos clients et les collectivites ou nous exercons nos activites. Pour cela, nous mettons en place des politiques et des programmes visant a favoriser un milieu de travail fonde sur le respect et l'appartenance et offrant des occasions pour tous.
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Skills Required