Associate Director, Credit Structures

Job Description

The Opportunity

Join Royal Bank of Canada's Private Banking team in a specialized credit structures role. You'll provide dedicated support in underwriting annual reviews and managing credit relationships for our largest and most complex clients in Greater Toronto Region (GTR), Ontario. Working with high-net-worth individuals and sophisticated business structures, you'll help develop tailored lending solutions, secure risk approvals, and manage loan fulfillment through closing.

What You'll Do

• Conduct annual credit reviews of complex borrowing relationships within the Private Banking wholesale portfolio
• Partner with Private Bankers and credit team members to gather information for annual reviews and new credit transactions
• Perform comprehensive financial analysis of borrowers and guarantors on large, complex transactions
• Structure credit solutions for personal holding companies, professional corporations, and trusts
• Conduct securities and portfolio analysis
• Coach and mentor junior credit team members
• Identify process improvements and contribute to special projects

What You Need to Succeed

Must Have

• Proven lending experience in retail, commercial, or capital markets
• Strong capability analyzing complex financial statements
• Advanced Excel and financial modeling skills
• University degree in business or related field
• Ability to manage multiple credit files simultaneously while meeting tight deadlines
• Excellent communication skills and client-focused mindset

Nice to Have

• CFA or MBA designation
• Experience with Synergy (CCR) and Newton systems
• Results-oriented, decisive approach

What’s in it for you?

• Competitive total rewards program including bonus, flexible benefits, and stock options
• Supportive leaders invested in your professional development
• Dynamic, collaborative, high-performing team environment
• Flexible work-life balance
• Clear career progression and expanded responsibilities
• Strong client relationships and cross-business opportunities

Job Skills

Additional Job Details

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Note: Applications will be accepted until 11:59 PM on the day prior to the Final date to receive applications date above

I
nclusion 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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RBC is presently inviting candidates to apply for this existing vacancy. Applying to this posting allows you to express your interest in this current career opportunity lified applicants may be contacted to review their resume in more detail.