Commercial Risk Manager

2 days ago

Toronto, Ontario, Canada RBC - Royal Bank Full time

Job Summary

As a Commercial Risk Manager at RBC, you will be responsible for adjudicating commercial credit transaction requests within delegated lending limits using sound judgment and adherence to policy. You will take a balanced approach to asset growth and portfolio quality, partnering with business and commercial markets VPs, sales managers, and account managers to manage the assigned portfolio.

Key Responsibilities

  • Assess commercial credit submissions between $3MM and $15MM, reviewing exceptions to credit policy and ensuring accuracy of risk assessment.
  • Influence portfolio quality through strategic assessment and management of risk.
  • Identify risk issues and take proactive action within designated portfolios by segment.
  • Coach and counsel account managers on risk.
  • Monitor portfolio trends, including business risk rating, delinquencies, and non-accrual loans.
  • Stay abreast of credit administration and compliance trends, recommending course of action on specific accounts and assisting business partners with corrective actions.
  • Elevate performance of business partners through honest, straight talk as a coach and mentor, providing candid, constructive feedback and recognition of successes based on fact.
  • Represent the bank and risk management in the marketplace, including client visits as needed.
  • Deal directly with commercial account managers and vice presidents.

Requirements

  • Previous business, commercial, or corporate banking experience or relevant alternate experience.
  • Strong risk assessment and analysis skills.
  • Strong listening and negotiating capabilities and effective written communication.
  • In-depth knowledge of risk policies, procedures, and practices.
  • Proficiency in all standard bank technology and systems.
  • University-educated, with postgraduate qualifications (CFA, CMA, MBA, etc.) or relevant work experience.

What We Offer

  • A comprehensive total rewards program, including bonuses and flexible benefits, competitive compensation.
  • The ability to make a difference and lasting impact.
  • Work in a dynamic, collaborative, progressive, and high-performing team.
  • Opportunities to take on progressively greater accountabilities.

Job Skills

  • Coaching others.
  • Communication.
  • Confidentiality.
  • Decision making.
  • Detail-oriented.
  • Information capture.
  • Process management.
  • Quality management.
  • Risk management.
  • Standard operating procedure (SOP).

Additional Job Details

RBC is 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.

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