Job Summary Job Description What is the opportunity? The Director is primarily responsible for supporting many functions such as effective monitoring and control on all material credit risks across RBC’s Lending Portfolio, and assessment of risks at a transactional level for each individual credit. The successful candidate will have the opportunity to work within the Supply Chain, Diversified, Not-For-Profit, Retail, and Business Services industries. Additionally, this role is a people management role leading a team. As such, the responsibilities range from applying knowledge directly on individual credit submissions to providing coaching and leadership to a team of adjudicators. The Director will focus on maintaining the risk profile, alignment with the business, operational effectiveness, and sharing best practices with business partners and working towards high level of efficiency in management of assigned portfolios, and enhancing the client experience. What will you do? Lead and apply consistent and effective performance management practices with all direct reports: clearly communicate what is expected of them and how their performance is measured, in particular with respect to client experience, maintaining a strong risk profile, and managing assigned portfolio in such a way as to minimize losses and maximize return Adjudicate credit applications within your delegated lending limits. Influence portfolio quality through strategic assessment of risk, attention to data quality and knowledge-sharing. Ensure accurate and consistent processes/controls are in place and being followed to protect shareholder interests. Ensure credit transactions are adjudicated, for the most part, within Policy Guidelines, Standards, and Procedures and mitigate risks as necessary. Enhance change management by ensuring how we approach change is reflective of a One RBC mindset Demonstrate leadership and commitment to build/expand/leverage good working relationships with the relevant GU(s) executive and CFS personnel to promote a mindset that risk is everybody’s business, that early problem identification is critical to maintaining the risk profile and in maximizing retention opportunities Ensure clients and colleagues are treated with respect, a highly professional empathetic approach is used, and good working relationships are maintained. Look for, and act upon, opportunities to strengthen the efficiency, accessibility and responsiveness of key risk processes and practices. Demonstrate commitment to teamwork by building team capability, identifying opportunity spotting to enhance client relationships while mitigating RBC risk. Deliver consistent decisions with solid communication of rationale for support, amendments or declines. Partner with stakeholders to achieve collective results. Act as a catalyst to ensure team is strategically aligned with business strategies while maintaining the Bank’s desired risk profile. Take initiative to proactively seek, demonstrate, and facilitate consistency in credit adjudication fully utilizing other resources including other risk teams. Develop and coach adjudicators while leading a small team MUST-HAVE 5+ years of risk management experience and/or Commercial Account Management experience with a preferred focus on Supply Chain, Diversified, Not-For-Profit, Retail, and Business Services industries. Strong communication, coaching, and conflict resolution skills Undergraduate Degree in Business is required Nice-to-have: In-depth knowledge of RBC Risk Policies, procedures & practices, Folios etc. Proficiency with Bank Technology. Post graduate qualifications (CFA, CMA, MBA etc.) Experience as a Commercial Account Manager sourcing and originating business Bilingual - Fluency in French 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 Ability to make a difference and lasting impact Work in a dynamic, collaborative, progressive, and high-performing team Opportunities to take on progressively greater accountabilities Leaders who support your development through coaching and managing opportunities Flexible work/life balance options Job Skills Credit Analysis, Delegating Tasks, Key Performance Indicators (KPI), New Challenges, People Management, Risk Management Additional Job Details Address: RBC CENTRE, 155 WELLINGTON ST W: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: 2025-05-13 Application Deadline: 2025-05-31 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.
