Associate Director, U.S. Credit Risk Review

Join to apply for the Associate Director, U.S. Credit Risk Review role at RBC. What is the Opportunity? We have an exciting opportunity to join the Credit Risk Review (CRR) team at RBC, where you will play a critical role in providing independent and objective evaluations of credit risk management practices. Your work will help ensure the effectiveness and adequacy of internal controls, credit risk ratings, and corporate governance processes – focusing on Wholesale and Wealth Management portfolios in the United States. Key stakeholders include 1st and 2nd line of defense bankers, senior leadership, regulators, and auditors. What Will You Do? Lead and participate in the execution of CRR reviews of the Wholesale and Wealth Management portfolios, evaluating risk rating accuracy, underwriting and portfolio management practices, emerging risks, compliance with regulatory guidance, and compliance with RBC policies and procedures. Provide coaching, mentorship, and performance feedback to junior team members. Execute the risk-based annual plan in collaboration with CRR leadership and key stakeholders ensuring adequate, risk-based coverage of the loan portfolio. Review borrower and portfolio-level credit risk, identify appropriate remediation actions, and communicate findings clearly and effectively. Conduct risk assessments of assigned industries/portfolios. Evaluate and recommend improvements to risk frameworks, governance, and internal processes. Interface with internal and external stakeholders to ensure proper identification, documentation, and resolution of all risks impacting the loan portfolio. Identify opportunities to leverage data and analytics to enhance CRR processes. Collaborate with credit risk stakeholders across all three lines of defense. Requirements 7+ years of experience in wholesale credit in an underwriting, adjudication, credit risk review, audit, consulting, and/or regulatory capacity. Strong knowledge of capital markets, lending products, and regulatory guidance. Strong negotiation, oral and written communication skills. Ability to handle a diverse workload, accept accountability, assume leadership and demonstrate initiative. Nice to Have Graduate degree (e.g., MBA, MSc in Finance, MSc in Economics). Regulatory background in a supervision and regulation role. What’s in it for you? A comprehensive Total Rewards Program including bonuses and flexible benefits, competitive compensation. Leaders who support your development through coaching and managing opportunities. Work in a dynamic, collaborative, progressive, and high-performing team. Opportunities to do challenging work. Flexible work/life balance options. Job Skills Business Data Analysis Credit Risk Management Credit Risk Review Credit Risks Data Visualization Risk Assessments Risk Ratings Additional Job Details Address: 20 KING ST W:TORONTO City: Toronto Country: Canada Work hours/week: 37.5 Employment Type: Full time Platform: INTERNAL AUDIT Job Type: Regular Pay Type: Salaried Posted Date: 2026-01-09 Application Deadline: 2026-02-13 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. #J-18808-Ljbffr