Manager, Credit Structures

What is the opportunity?

As Manager, Credit Structures, you will be a credit professional providing innovative credit solutions, professional value‑added advice, and credit expertise to Private Banking clients. You will be responsible for Private Banking client credit relationships and focused on winning as One RBC by introducing clients to the right solutions, partners, and capabilities at the right time.

• 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 the 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

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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