Job Summary Group Risk Management-Wholesale Credit Risk (GRM - WCR) group is responsible for assessing credit exposures of trading and lending activities for complex Capital Markets transactions; coverage is organized by geography and aligned by industry. The GRM - WCR Real Estate team manages exposure to Commercial Real Estate borrowers through effective analysis of credit risk, across various investment strategies. Job Description What Is Your Opportunity? As an Associate, you will lead some of the supporting workstreams including property appraisals, management reporting, regulatory reporting and loan portfolio management. You will also support Credit Officers in risk ratings and to evaluate proposed client requests, providing comprehensive transactional analysis and approval recommendations in a timely manner. What Will You Do? Lead and coordinate real estate appraisals, including engagement with a third-party appraisal management company (AMC) and related market data analysis Prepare, review and enhance management and regulatory credit risk reports for senior management, audit, and regulatory bodies Support management team in portfolio analysis, including tracking upcoming credit rating renewals, loan maturities / refinancings, and expected compliance with covenants Conduct periodic credit risk reviews, risk assessments, and financial analysis for new and existing borrowers Liaise with business partners (Global Credit, Enterprise Risk, Reporting and Governance) on key initiatives and portfolio tasks Stay current on regulatory requirements, market trends, and best practices in credit risk and real estate finance Maintain an up-to-date RAF approval schedule, and continuously reviews Borrower Risk Ratings (“BRR”s) on all assigned borrowers Assist in daily monitoring of borrower’s business and fund performance through monitoring of industry and company information through due diligence conference calls, news releases, financial results, regulatory changes, third party analysis including rating agency publications, and other early warning signals Prepare recommendations for Single Name Strategies and Transaction Requests for signoff based on applicable delegated limit authority Provide technical, analytical and project support for other functions carried out, particularly in the areas of internal reporting requirements, process optimization and data management What do you need to succeed? Must-have 2+ years of working experience in Real Estate Finance, preferably in credit Demonstrated research capabilities and an ability to apply an analytical approach Curiosity and keen interest in Commercial Real Estate sector Ability to handle high volume and multitask in a fast-paced work environment Superior time management skills and attention to detail, with ability to perform well under pressure Strong interpersonal skills, with outstanding written and verbal communication skills Nice-to-have Completed MBA or CFA (or has taken steps towards attaining a CFA designation) Proficient in Excel, including VBA/Macro as a tool for financial analysis and process optimization involving large data sets Interest in pursuing a career in Risk Management What’s in it for you? We thrive on the challenge to be our best, progressive thinking 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 and competitive compensation Leaders who support your development through coaching opportunities Work in a dynamic, collaborative, progressive, and high-performing team Opportunities to do challenging work Job Skills Additional Job Details Address: ROYAL BANK PLAZA, 200 BAY ST: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: 2025-06-02 Application Deadline: 2025-06-17 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. Join our Talent Community Stay 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 jobs.rbc.com. Royal Bank of Canada is a global financial institution with a purpose-driven, principles-led approach to delivering leading performance. Our success comes from the 84,000+ employees who bring our vision, values and strategy to life so we can help our clients thrive and communities prosper. As Canada’s biggest bank, and one of the largest in the world based on market capitalization, we have a diversified business model with a focus on innovation and providing exceptional experiences to more than 16 million clients in Canada, the U.S. and 34 other countries. Learn more at rbc.com.? We are proud to support a broad range of community initiatives through donations, community investments and employee volunteer activities. See how at rbc.com/community-social-impact.
