Job Description

What is the opportunity?
RBC is a leading provider of asset-based loans catering to a wide range of industries and client needs across Canada. As a Director on the Portfolio Management team for RBC's Asset Based Lending ("ABL") business, you will manage a diversified portfolio of ABL clients in RBC's Corporate Client Group within Commercial Banking. You will oversee all credit-related aspects of your assigned portfolio, proactively assessing risks and leveraging the bank's wide suite of credit and related products to meet clients' needs. You will collaborate with internal stakeholders to ensure optimal outcomes for our clients.
Your ability to manage client relationships and successfully partner with internal stakeholders to align RBC's risk appetite with the needs of the client, will lead to your success in the role as you contribute to the overall growth of the ABL portfolio by retaining and growing existing clients by providing sound advice and recommendations.
What will you do?
Manage all aspects of an assigned ABL portfolio including:
Maintaining responsibility for credit renewals, amendments, annual reviews, portfolio reviews and credit documentation. Ensuring all documentation is reviewed, confirmed, accurate and enforceable
Establishing client calling routines as required & proactively coordinating other client credit needs
Proactively managing accounts by analyzing financial & collateral reports to ensure negative trends are identified early & measures taken to ensure RBC's exposure is adequately protected
Overseeing and monitoring loan advances and collateral reporting to ensure that Clients are in compliance of reporting and financial covenants
Proactively identifying issues and opportunities to deliver advice and credit solutions tailored to meet client needs that are paired with appropriate recommendations to Risk Management and other internal stakeholders
Documenting management plans and exit/liquidation strategies for accounts when required
Retaining and negotiating profitable renewals with existing clients
What do you need to succeed?
Must Have
Degree with a focus in business, accounting, economics, mathematics or other quantitative field
3+ years of experience in client facing roles in a commercial, corporate banking or ABL environment
Able to demonstrate strong verbal communication and negotiation skills, including the ability to communicate effectively with clients and internal RBC partners
Excellent written communication skills
Ability to work effectively within a team environment
Self-starter that is able to work independently and effectively prioritize various transactions and demands from partners internally and externally
Demonstrated financial/business acumen and experience in conducting financial/risk analysis to assess and structure banking solutions
Nice to Have
MBA and/or professional designation (e.g. CPA, CFA)
Familiarity with RBC credit processes and loan documentation
Previous banking experience with relationship management, structuring/writing credit proposals, credit processes, policies, and risk analysis would be a significant asset
French reading/writing/communication skills
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.
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 Asset-Based Loans (ABL), Commercial Credit Underwriting, Credit Structuring, Financial Statement Analysis, Relationship Management
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: Regular
Pay Type: Salaried
Posted Date: 2025-09-12
Application Deadline: 2025-09-20
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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