Job Description

Job Summary \xe2\x80\xa2 A Real Estate Market credit specialist, leveraging best-in-class credit structuring expertise to balance the needs of the client and the bank

• Maximize RBC\xe2\x80\x99s position in the market and deliver on business priorities of credit quality, growth in authorized credit, acquisition of new borrowing clients and timely completion of credit renewals
• Support client needs by understanding the client (including industry, market & competitiveness, company strategy & management), analyzing financial information and structuring appropriate credit solutions
• Work in collaboration with Directors, Real Estate Markets and with Client Relationship Team, other internal and external partners( including other FIs), to grow the portfolio and manage industry and portfolio risks through face-to-face meetings or use of technology, based on client preference
• Achieve and sustain portfolio quality thorough disciplined execution of client and portfolio management routines

Deliver an Exceptional Client Experience * In conjunction with your Client Relationship Team ("CRT") members, you create exceptional client experiences by delivering value-added advice aligned to your expertise and the client\'s needs.

• Lead with a growth mindset, focusing on what\xe2\x80\x99s possible to maximize client acquisition, growth and deliver an exceptional client experience
• Deliver exceptional client experience by responding quickly to credit requests, minimizing turnaround times and delivering sound credit structuring advice and client-centric solutions that support business growth
• For complex clients, partner with Directors, Real Estate Markets to understand credit needs, changing circumstances and risk profile through meaningful client contact as required
• Help clients understand emerging issues that may impact their business by providing valuable insights on the client\xe2\x80\x99s industry, business or market
• Identify ways to simplify credit structures (e.g. removing unnecessary reporting or conditions)
• Collaborate internally and externally to understand credit needs, changing circumstances and risk profile through meaningful client contact as required.
• Act as a digital advocate to digitally enable clients and support clients in their journey towards low-carbon transition as climate-related demands increase.
• Take ownership and resolve client concerns and requests at first point of contact, escalate to your manager in a timely manner to ensure minimal impact to client experience. Record complaint, and inform clients about RBC\xe2\x80\x99s complaint handling process.

Acquiring & Deepening Client Relationships: Win as One RBC

• You are a Trusted Strategic Advisor focused on acquiring and growing business by being attentive to client needs and aligning opportunities to the right CRT member or One RBC partner.
• Acquire new clients and ensure alignment to the Home of Best Fit
• Develop critical thinking, expand ability to analyze situations and articulate rationale. Make sound recommendations which reflect logic, thorough analysis and decision-making abilities
• Deliver business results and grow market share, by growing and retaining existing business client relationships through insightful Annual Strategy Meetings and ensuring a One RBC approach and alignment to the Home of Best Fit
• Take ownership of structuring competitively tailored credit solutions for both existing and new clients to increase overall authorized credit
• As a key contributor to our client relationship team and work with Directors, Real Estate Markets to execute a coordinated client, COI and external counsel contact strategy.
• Ensure adherence to CRCA-14, including analysis and rationale to support a rating assessment within each risk factor
• Provide proactive credit advice and counsel to Directors, Real Estate Markets when proposing new or expanded credit structures. Seek referral opportunities; make introductions to Client Relationship Team and One RBC team members, including Access to Experts
• Incorporate best practices, including trends in credit quality, changes in credit processes and regular communication with GRM and CAG

Execution Excellence

• Continuously monitor and review activities to ensure pipeline of new money requests and renewals is managed effectively, ensuring superior client experience
• Demonstrate commitment to team and collaboration by sharing best practices, advising & mentoring and assisting colleagues for individual and team success
• You are an active member of the CRT whose foresight in client contact and strategic relationship planning supports the coordinated approach by the full CRT for the benefit of the client relationships you steward.
• Follow best practices of routines, market/portfolio planning, CRT coordination/planning and client interactions to succeed individually and as a team
• Monitor and review activities and outcomes bi-weekly, monthly and quarterly to identify successes and items to refine. Proactively prepare for coaching meetings, CRT coordination/planning meetings and monthly reviews
• Ensure skills/knowledge are up to date and aligned to the needs of clients served. Seek opportunities for continuous improvement through coaching and capability growth
• Leverage technology to interact with clients and colleagues

• Speak up for and about inclusion, create the conditions where colleagues and clients\xe2\x80\x99 uniqueness is appreciated and valued.

Doing What\xe2\x80\x99s Right: Manage Risk & Operational Effectiveness

• You take ownership of deep discovery in key moments of truth to understand client needs and provide advice on the appropriate solutions.
• Demonstrate a thorough understanding of the client\xe2\x80\x99s financial position, industry, business model, management capabilities and ability to repay loans by analyzing and understanding present and future cash flows
• For credit transactions focus on getting work done right the first time, ensuring credit applications are completed with correct and pertinent information and you are well prepared to discuss credit transactions with GRM/CAG
• Understand and adhere to RBC credit rules, policies and procedures. Demonstrate good judgment when making decisions, balancing shareholder risk and client experience
• In collaboration with Directors, Real Estate Markets, achieve and sustain credit portfolio quality through disciplined execution of portfolio management routines for portfolios supported
• Support region by maintaining expired credits >31 days within defined thresholds (BRR, CCR & ACC) on assigned clients and working with Directors-REM to ensure required documents are received and actioned in a timely manner

Job Skills Adaptability, Business Development, Client Centricity, Communication, Critical Thinking, Curiosity, Financial Acumen, Practice ManagementAdditional Job DetailsAddress: 202 BROWNLOW AVE:HALIFAXCity: HALIFAXCountry: CanadaWork hours/week: 37.5Employment Type: Full timePlatform: Personal and Commercial BankingJob Type: RegularPay Type: SalariedPosted Date: 2024-05-01Application Deadline: 2024-07-08Inclusion and Equal Opportunity EmploymentAt RBC, we embrace diversity and inclusion for innovation and growth. We are committed to building inclusive teams and an equitable workplace for our employees to bring their true selves to work. We are taking actions to tackle issues of inequity and systemic bias to support our diverse talent, clients and communities.We also strive to provide an accessible candidate experience for our prospective employees with different abilities. Please let us know if you need any accommodations during the recruitment process.Join our Talent CommunityStay in-the-know about great career opportunities at RBC. Sign up and get customized info on our latest jobs, career tips and Recruitment events that matter to you.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 .

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