Bilingual Commercial Credit Advisor, Commercial Credit Adjudication
Description
The successful candidate will support Relationship Managers (RMs) in the credit renewal and adjudication process for files under $2 million in total single name exposure. This includes reviewing and establishing Borrower Risk Ratings to mitigate credit risks, adjudicating transaction requests, and approving policy exceptions within delegated lending authorities. The role emphasizes delivering exceptional client service through client-centric transaction structuring and fostering strong partnerships with internal teams like CAM, Group Risk Management, and the Business Service Centre to optimize processes and increase efficiency. Key responsibilities also involve developing specialized industry knowledge, assisting RMs with monthly credit renewals, exercising due diligence in adjudication, identifying and proactively addressing risk issues, and contributing to overall client care and team collaboration.
What We're Looking For
Support Relationship Managers (RM) in credit renewal and adjudication of files <$2 MM Total Single Name Exposure, including increases at renewal, reviewing and establishing Borrower Risk Rating ensuring credit structures mitigate credit risks.,Adjudicate transaction requests and approve policy exceptions within Delegated Lending Authorities using sound judgment and a balanced approach to portfolio quality.,Deliver superior client service by structuring transactions with a client centric approach and creating strong partnerships with CAM, Group Risk Management and Business Service Centre in order to optimize the internal process, reducing responsive time and increasing effectiveness.,Develop and utilize specialized knowledge and experience of specific industry/segment(s) to support the credit needs of RM and their clients.,Assist RMs with completing monthly credit renewals, balance client needs and high risk situations effectively, while ensuring account managers are informed of any changes in the review schedule.,Exercise due diligence in preparing credit renewals adjudication re: know your client, know the transaction, credit structure, risk analysis and client strategy.,Identify risk issues and take proactive action, keep up-to-date on economic trends and stay abreast of Credit Administration & Compliance Trends, recommending action to correct unsatisfactory situations.,Develop strong working relationships with the RMs to optimize overall processing time.,Assist RMs in maximizing opportunity spotting with all clients to enhance retention, referrals, and sales activities and contribute to superior client care.,Liberate capacity for supported RMs by effectively/proactively managing the credit renewal process in order to provide them with more client facing time.,Demonstrate commitment to team work and collaboration through coaching.
Ideal Candidate
Previous Commercial Banking, Small Business lending or credit experience.,Knowledge of commercial financial services credit tools, including Newton & Synergie.,Strong Business Acumen.,Solid company financial statement analysis skills.,Professional oral and written communication skills.,Degree in a Finance, Commerce, Management or an accounting related field.,Bilingualism (English and French) required.,CFA, MBA (Nice-to-have).,Experience as a Commercial Account/Relationship Manager (Nice-to-have).
Minimum Education
Bachelor's Degree (Finance, Commerce, Management, or Accounting-related field)
Hard Skills
Soft Skills
Work Hours
37.5 hours/week
Benefits
About the Company
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.
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