Job Description What is the opportunity? Group Risk Management – Wholesale Credit focuses on risk assessment and adjudication of challenging Capital Markets and Corporate Client Group transactions across the globe. Your intellectual curiosity and drive to understand complex corporate credits will help you deliver effective analysis of business and financial risk in order to provide comprehensive credit approval recommendations. As Associate Director, your highly developed experience with financial analysis and credit and ability to quickly determine what’s relevant and what’s will not set the stage for success. The position is focused on the insurance sector, specifically covering life insurance, property, and casualty (P&C) insurance, insurance brokers and related service providers. What will you do? Work closely with the business at early stages on the risk aspects of any new transaction under consideration and provide direction and guidance as required to ensure the eventual deal structure adequately mitigates key risk concerns Review Transaction Requests, term sheets and risk assessments within agreed timelines and/or turn-around benchmarks, highlight exceptions to applicable policies and guidelines, and suggest enhancements Ensure an appropriate balance between Risk and Return Review and adjudicate financial models and assist in continuous oversight of borrower’s business and financial performance through monitoring of financial and industry information, regulatory changes, third party analysis including rating agency publications, and other early warning signals What do you need to succeed? Must-Haves Minimum 5 years of experience working in a financial institution, preferably in lending Good understanding of loan and trading credit products with a proven track record of building effective relationships with internal/external stakeholders Significant experience with Excel, including as a tool for financial analysis and a good understanding of financial modelling and financial statement analysis Analytical and intellectually curious mindset Ability to deal with obstacles and work to develop effective solutions/recommendations on tight timelines Strong communication skills (both written and presentation) and ability to work with others in a collaborative manner Nice-to-Haves Postgraduate degree, accounting designation and/or CFA Interest in pursuing a career in credit risk management Industry knowledge and experience 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 and managing opportunities Ability to make a difference and lasting impact Flexible work/life balance options Work in a dynamic, collaborative, progressive, and high-performing team Job Skills Accounting Finance, Asset and Liability Management (ALM), Commercial Loan Review, Confidentiality, Credit Analysis, Customer Service, Customer Success, Detail-Oriented, Financial Statement Analysis, Risk Management 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: 2025-08-12 Application Deadline: 2025-08-26 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.
