Manager, Credit Structures

Provide high-end relationship management and credit advice to high-net-worth Canadians following all five principles of the Black Card Experience

Deliver a superior, professional, best-in-class credit experience through excellence in completing deep-discovery conversations with clients regarding their credit needs, analyzing the various options while leveraging the tools at your disposal, and presenting solutions centered on credit advice

Provide proactive credit advice to all Private Banking clients and develop innovative and creative credit solutions

Prepare and submit comprehensive and accurate credit proposals for approval with a sense of urgency, supported by required due diligence and analysis of financial statements

Lead the discussion with clients around mortgage renewals and process client requests

Proactively manage credit renewals by submitting files within deadlines

Collaborate with key partners such as Risk Management to provide winning solutions for clients

Fluent in Mandarin and/or Cantonese

3-5 years of lending experience and demonstrated proficiency in personal/small business credit structuring in the banking industry.

Proven ability to analyze, interpret, and understand financial statements to articulate cash flow from multiple income streams (personal and business).

Expert knowledge of HEF products and policies

Ability to partner and network across platforms in order to provide tailored credit solutions.

Exceptional written and verbal communication skills, strong problem solving and negotiation skill

University or college degree.

Complex lending, small business and/or commercial banking experience.

Knowledge and understanding of RBC Private Banking financing products, credit/risk procedures, guidelines, and standards

Strong commitment to continuous learning and educational development.

Demonstrated persistence to achieve desired goals and the agility to handle change with flexibility.

A comprehensive Total Rewards Program including bonuses and flexible benefits, competitive compensation, commissions, and stock where applicable.

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.

Flexible work/life balance options. At moment we follow 3 days a week on site presence which may change with adequate notice.

Opportunities to do challenging work.

Opportunities to take on progressively greater accountabilities.

Access to a variety of job opportunities across business and geographies