Commercial Credit Advisor, Agriculture

3 weeks ago

Vancouver, Canada Royal Bank of Canada Full time

**Come Work with Us**

At RBC, our culture is deeply supportive and rich in opportunity and reward. You will help our clients thrive and our communities prosper, empowered by a spirit of shared purpose.

Whether you’re helping clients find new opportunities, developing new technology, or providing expert advice to internal partners, you will be doing work that matters in the world, in an environment built on teamwork, service, responsibility, diversity, and integrity.

**Job Title**

Commercial Credit Advisor, Agriculture

**What is the opportunity?**

You will support Relationship Managers (RM) in credit renewal and adjudication of files < $2 MM Total Single Name Exposure, primarily in the Agriculture industry, and including new client acquisitions and increases at renewal, reviewing and establishing Borrower Risk Rating (BRR) ensuring credit structures mitigate credit risks. You will adjudicate transaction requests and approve policy exceptions within Delegated Lending Authorities using sound judgment and a balanced approach to portfolio quality. You will deliver on superior client service by structuring transactions with a client centric approach and creating strong partnerships with RMs, Group Risk Management and Business Service Centre in order to optimize the internal process, reduce response times and increase effectiveness.

**What will you do?**
- Assist RMs with completing 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 and 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 Commercial Account Managers to optimize overall processing time
- Assist Commercial Account Manager in maximizing opportunity spotting with all clients to enhance retention, referrals, and sales activities and contribute to superior client care
- Demonstrate commitment to team work and collaboration through coaching

**What do you need to succeed?**

**Must-have**
- Previous Commercial Banking, Small Business lending or credit experience
- Knowledge of commercial financial services credit tools, including Newton & Synergy
- Strong business acumen and general Agriculture industry knowledge
- Solid company financial statement analysis skills
- Professional oral and written communication skills
- Degree in a Finance, Commerce, Management or an accounting related field

**Nice-to-have**
- CFA, MBA
- Experience as a Commercial Account Manager and/or Financing Specialist
- Bilingual in French and English

**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.
- 4 weeks’ vacation to start
- A comprehensive Total Rewards Program
- Leaders who support your development
- Ability to make a difference and lasting impact
- Opportunity to take on progressively greater accountabilities
- RBC is committed to supporting flexible work arrangements when and where available. Details to be discussed with Hiring Manager_.

**Job Summary**

**Address**:
GUELPH, Ontario, Canada

**City**:
CAN-AB-CALGARY, CAN-BC-VANCOUVER, CAN-ON-GUELPH, CAN-ON-MISSISSAUGA

**Country**:
Canada

**Work hours/week**:
37.5

**Employment Type**:
Full time

**Platform**:
Personal and Commercial Banking

**Job Type**:
Regular

**Pay Type**:
Salaried

**Posted Date**:
2023-04-19

**Application Deadline**:
2023-05-06

**I**nclusion** and Equal Opportunity Employment**

At RBC, we embrace diversity and inclusion for innovation and growth. We are committed to building inclusive teams and an equitable workplace for our employees to bring their true selves to work. We are taking actions to tackle issues of inequity and systemic bias to support our diverse talent, clients and communities.

**Join our Talent Community**

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