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Full-Time
On-Site

Associate Director, Credit Structures

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Description

This role supports Royal Bank of Canada's Private Banking team by specializing in credit structures. The Associate Director will underwrite annual reviews and manage credit relationships for large and complex high-net-worth clients and sophisticated business structures in the Greater Toronto Region. The position involves developing tailored lending solutions, securing risk approvals, and managing loan fulfillment.

What We're Looking For

Conduct annual credit reviews of complex borrowing relationships within the Private Banking wholesale portfolio.,Partner with Private Bankers and credit team members to gather information for annual reviews and new credit transactions.,Perform comprehensive financial analysis of borrowers and guarantors on large, complex transactions.,Structure credit solutions for personal holding companies, professional corporations, and trusts.,Conduct securities and portfolio analysis.,Coach and mentor junior credit team members.,Identify process improvements and contribute to special projects.,Proven lending experience in retail, commercial, or capital markets.,Strong capability in analyzing complex financial statements.,Advanced Excel and financial modeling skills.,Ability to manage multiple credit files simultaneously while meeting tight deadlines.,Excellent communication skills and client-focused mindset.

Ideal Candidate

University degree in business or a related field.,CFA or MBA designation (preferred).

Minimum Education

University degree (Bachelor's), CFA or MBA preferred

Hard Skills

Lending experience
financial statement analysis
advanced Excel
financial modeling
securities analysis
portfolio analysis
Synergy (CCR) system (preferred)
Newton systems (preferred)

Soft Skills

Client-focused mindset
communication
managing multiple files
meeting deadlines
coaching
mentoring
results-oriented
decisive

Work Hours

37.5 hours/week

Benefits

Competitive total rewards program
bonus
flexible benefits
stock options
supportive leaders
professional development
dynamic team
collaborative environment
high-performing team
flexible work-life balance
clear career progression
expanded responsibilities
strong client relationships
cross-business opportunities

About the Company

R

Royal Bank of Canada

Royal Bank of Canada is a global financial institution with a purpose-driven, principles-led approach to delivering leading performance. As Canada's largest bank, it provides personal and commercial banking, wealth management, and capital markets services to over 17 million clients worldwide.

Purpose-driven
Inclusive
Innovative
Collaborative
Professional
View all jobs at Royal Bank of Canada

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