Job Description

What is the opportunity?
The Group Risk Management adjudication team provides independent assessment of business and financial risks for individual borrowers as a 2nd Line of Defence in the Enterprise Risk Management Framework and Governance. The position involves the support of many functions such as effective monitoring and control on all material Credit risks across RBC's Commercial Lending Portfolio, as well as assessment of risks at a transactional level for each individual credit. This role balances the rewards of meeting business objectives with the risk of loss to client and shareholders while following corporate compliance and policies to maintain risk exposure within the Bank's stated risk appetite and to operate within a legal framework and in accordance with OSFI, Basel, and other regulatory requirements.
Functional Objectives:

• Actively participate in the communication on risk and risk appetite within the adjudication team and throughout the enterprise to maintain RBC's strong risk culture
• Assist with the investment in RBC's capabilities to better measure, understand and manage risk
• Look for, and act upon, opportunities to strengthen the efficiency, accessibility and responsiveness of key risk processes and practices
• Coach to, as well as directly adjudicate transactions in the context business strategy and portfolio objectives while adhering to stated risk policies, procedures, and proceses
• Deliver consistent decisions with solid communication of rationale for support, amendments or declines
• Deliver decisions within stated turnaround times in order to assist the business exceed client expectations, achieve growth targets, and deliver on their trusted strategic advisor directives
• Support the continuing development of strong credit risk skills within and between adjudication teams, as well as in the first line of defence.

What will you do?
Enhancing the Client Experience

• Enhances change management by ensuring how we approach change is reflective of a One RBC mindset
• Coaches' employees on using strong discovery and credit structuring techniques in order to hone in on alternatives or options in presented transactions that are tailored and value added to our client
• Represents the bank with employees, clients and professionals demonstrating leadership and interacting where necessary

Alignment with the Business

• Ensures team is aligned with business strategies while maintaining the Bank's desired risk profile - supports and recommends risk policy changes through early identification of changing market conditions or trends, credit appetite and demand and transactional observations
• Partners with the right people to achieve collective results - freely shares best practices, knowledge and speaks up for the good of RBC
• Demonstrates leadership and commitment to build/expand/leverage good working relationships with the relevant GU(s) executive and CFS personnel to promote strong communication and feedback mechanisms, foster a mindset that risk is everyone's business, and ensure an understanding and agreement that early problem identification is critical to maintaining the risk profile and in maximizing retention opportunities
• Ensures a strong and positive presence with our business partners virtually and/or in person e.g. joint calls to visit clients, participation in conferences, CFS team meetings, lunch and learns, etc.

Optimize Efficiency

• Focus on consistency and process alignment, in particular ensuring that resources are aligned with activities that provide the most value both within and between adjudication teams
• Maintains average turnaround times in accordance with established benchmarks (refer to BBL2 - Appendix 3)
• Challenge the status quo, put forward ideas to innovate, and actively participate in projects as assigned

Maintain Risk Profile

• Ensures accurate and consistent processes/controls are in place and being followed to protect shareholder interests, including, as applicable, the areas of: minimizing loss; fraud prevention; anti-money laundering; out of order security; data integrity including LGD, BRR, BCC, GBRR, CPE, FMD, SIC, SNRR, CED, etc.; covenant compliance; post loan reviews; margin requirements; covenant breaches; delegated lending authority control management; negative trends in financial performance; watch list reporting; etc. and coaches to identified gaps
• Ensures credit transactions are adjudicated within policy and product guidelines, standards, and procedures and ensures exceptions are appropriately documented and substantiated
• Adjudicates credit and/or performs post loan reviews as per established guidelines
• Takes initiative to proactively seek, demonstrate, and facilitate consistency in credit adjudication fully leveraging available expertise and resources, including across risk teams, and looks for opportunities to simplify things that are complicated
• Take intelligent risks to grow the business, knowing when to push, pivot and/or let go
• Focus on what matters most and make decisions despite uncertainty
• Participates in WL reviews coaching to timely engagement of SLAS (advisory capacity or direct management) &/or transfer to SLAS of lingering problematic WL files
• Takes appropriate actions to correct or remedy deficiencies identified in the normal course of business, and/or through internal or external audit initiatives

What do you need to succeed?
Must-have:

• Demonstrated strong credit skills
• Sound understanding of the role of second line of defense risk governance and experience in Risk Management
• Comprehensive understanding of commercial banking and lending products
• Business and Financial Insight: applies business understanding to make sound decisions and solve problems in a team environment
• In-depth knowledge of RBC Risk Policies, procedures & practices, Folios etc.
• Proficiency with Bank technology (Synergy, Newton etc.)

Nice to have:

• Preferred: Master's in finance or risk, or MBA and/or holds, or is in pursuit of, CFA/FRM designation
• Strong analytical, organizational skills and critical thinking skills to solve problems under pressure
• Have a strategic mindset and displays strong risk assessment/analysis skill-set.
• Requires proactive, inquisitive self-starter with experience to define and implement own oversight framework and capable of challenging the status quo
• Communication & Coaching - Listening, Understanding & Responding; Impact & Influence; Information Seeking; Consulting Orientation; Identifying Business Opportunities
• Teamwork & Cooperation - Building Partnerships with Stakeholders; Adaptability; Knowledge Transfer; Relationship Building
• Demonstrates people leadership qualities

What's in it for you?
We thrive on the challenge to be our best, thinking progressively 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
Work on a dynamic topic of strategic importance
Ability to make a difference and lasting impact
Work in an agile, collaborative, progressive, and high-performing team
The opportunity to interface with executives from many different parts of the organization.
Job Skills Accounting Finance, Asset and Liability Management (ALM), Business Loans, Confidentiality, Credit Analysis, Customer Service, Detail-Oriented, Financial Statement Analysis, Risk Management, Small Business Financing
Additional Job Details
Address: RBC CENTRE, 155 WELLINGTON ST W:TORONTO
City: Toronto
Country: Canada
Work hours/week: 37.5
Employment Type: Full time
Platform: GROUP RISK MANAGEMENT
Job Type: Regular
Pay Type: Salaried
Posted Date: 2025-06-04
Application Deadline: 2025-10-16
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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