Job Summary Job Description What is the opportunity? In this role, you will be responsible for reviewing and decision client borrowing requests/transactions within delegated lending authorities (DLA) with focus on the balance of revenue maximization and the appropriate risk profile. You will ensure the safety and soundness of RBC funds through strong judgment and analytical skills guided by RBC risk policy adherence. You will assess Risk respecting the discipline imposed by bank policies and maintain Client First Focus. You will make decisions on exceptions to credit principles, rules and guidelines as required, with all applications credit scored What will you do? Adjudication Associate provides approval, decline or negotiation of credit applications/transactions within specifically assigned DLA and related accountabilities, ensuring timely delivery of credit decision Functional technical/product/operational expert and acts as escalation and/or referral point for quick problem solution Adjudicates credit from various delivery channels (e.g. Vendors, Brokers, Direct Sales etc..) advising client of decision Follows standard RBC lending policy and procedure guidelines Acts as credit and product specialists and in the normal course of adjudicating files, provides ongoing coaching for sales unit employees and peers to support credit quality and credit process risks as well as opportunity spotting for sales, When within established authorities and accountabilities, completes full verification function. Reviews transaction/source document details including authorizations, contracts and other documents ensuring: Transaction details are clearly outlined/definedWhere required, all documents are vetted to comply with product/service and form completion/legal requirements, eligibility and limit criteria and authorized policy Clear approval terms and conditions are specifically and clearly stated in order that documentation specified is obtained, and auditors can easily confirm that all outlined conditions/pre-conditions have been met prior to processing Exercises some judgment in making decisions, with escalations to appropriate levels Work requires continual reacting and adapting to change. Expected to process work volumes as measured through established service quality standards (e.g. Client Service Commitments) Follows established Coaching Routines and related activity to drive high performance and enhance client experience. What do you need to succeed? Must have: Experience in delivering customer service excellence in a call handling environment Bilingualism (English and French) required, as you will regularly do business with partners across Canada Prior credit experience and a demonstrated ability to apply credit principles Ability to work independently and interact effectively within a team A drive to work efficiently in a fast paced environment Job Skills Business Data Analysis, Communication, Credit Analysis, Critical Thinking, Database Queries, Data Visualization, Decision Making, Quantitative Methods, Risk Management Additional Job Details Address: 5575 NORTH SERVICE RD:BURLINGTON City: BURLINGTON Country: Canada Work hours/week: 37.5 Employment Type: Full time Platform: PERSONAL & COMMERCIAL BANKING Job Type: Regular Pay Type: Salaried Posted Date: 2025-06-03 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.
