Job Description What is the opportunity? The Director, Credit Structures, is a client-facing credit professional who provides innovative and proactive wholesale credit solutions, value-added credit discovery, planning, and advice and prompt service through to completion to Private Banking clients. Jointly with the Private Banker, you will act as the primary credit relationship manager for an assigned portfolio of wholesale credit clients, including in the investigation, formulation, and completion of complex lending structures to help grow and deepen Private Banking client credit relationships. What will you do? Structure competitively tailored credit solutions that are larger and more complex than those customary in Private Banking Partner with Private Bankers in providing proactive credit advice and counsel to support the delivery of an exceptional and personal Private Banking credit experience for wholesale credit needs Deepen Private Banking client relationships through ongoing management of wholesale credit files Leverage tools, resources, and materials related to lending practices and products to support advice and recommendations, including wholesale credit renewals Work with the Associate Director, Credit Structures, for renewals and execution of loan document signing activities Establish credibility and build positive, professional relationships with Group Risk Management by presenting comprehensive, high-quality, and well-structured credit requests for approval Leverage the expertise of key contacts in Tax, Legal, Commercial Markets, Capital Markets, and National Office to enhance credit structuring capabilities Maintain a robust list of high potential complex credit opportunities (existing and prospect clients) and engage in proactive marketing strategies and activities for the identified accounts What do you need to succeed? Must-have University degree and industry designation (preferably CFA and/or MBA) Bilingualism (English and French) required, as you will regularly serve our clients with English and French-speaking needs. Strong lending experience including the ability to formulate creative lending solutions, build effective loan structures, and complete detailed analyses of complex financial statements Effective relationship management and negotiation skills Ability to manage strict deadlines in a demanding, fast-paced environment Nice-to-have Experience in Commercial Markets, including lending and account and risk management Collaborative nature allowing effective partnership with other areas of expertise within the Bank in the development of solutions (e.g., Group Risk Management, Tax, Legal, Commercial Markets, Capital Markets, and National Office) Experience with secured lending structures and related documentation Good working knowledge of Excel and financial modeling 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, competitive compensation, commissions, and stock where applicable Leaders who support your development through coaching and managing opportunities Ability to make a difference and lasting impact Work in a dynamic, collaborative, progressive, and high-performing team Flexible work/life balance options Opportunities to do challenging work Opportunities to take on progressively greater accountabilities Access to a variety of job opportunities across business and geographies Job Skills Additional Job Details Address: 1 PLACE VILLE MARIE:MONTRÉAL City: Montréal Country: Canada Work hours/week: 37.5 Employment Type: Full time Platform: PERSONAL & COMMERCIAL BANKING Job Type: Regular Pay Type: Salaried Posted Date: 2025-10-09 Application Deadline: 2025-10-23 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.
