Associate Director, U.S. Credit Risk Review

Job DescriptionWhat 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.The successful candidate will lead and participate in Target Reviews, Continuous Monitoring Reviews, Risk Assessments, and other ad hoc credit projects.What Will You Do?Credit Risk Review PracticeLead 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 more junior team membersExecute the risk-based annual plan in collaboration with CRR leadership and key stakeholders ensuring adequate, risk-based coverage of the loan portfolioReview 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 processesInterface with internal and external stakeholders to ensure proper identification, documentation and resolution of all risks impacting the loan portfolioIdentify opportunities to leverage data and analytics to enhance CRR processesCollaborates with credit risk stakeholders across all three lines of defenseWhat do you need to succeed?Requirements7+ years of experience in wholesale credit in an underwriting, adjudication, credit risk review, audit, consulting, and/or regulatory capacityStrong knowledge of capital markets, lending products, and regulatory guidanceStrong negotiation, oral and written communication skillsAbility to handle a diverse workload, accept accountability, assume leadership and demonstrate initiativeNice to HaveGraduate degree (e.g. Master of Business Administration, Master of Science in Finance, Master of Science in Economics etc.)Regulatory background in a supervision and regulation roleWhat’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.A comprehensive Total Rewards Program including bonuses and flexible benefits, competitive compensationLeaders who support your development through coaching and managing opportunitiesWork in a dynamic, collaborative, progressive, and high-performing teamOpportunities to do challenging workFlexible work/life balance optionsJob SkillsBusiness Data Analysis, Credit Risk Management, Credit Risk Review, Credit Risks, Data Visualization, Risk Assessments, Risk RatingsAdditional Job DetailsAddress:20 KING ST W:TORONTOCity:TorontoCountry:CanadaWork hours/week:37.5Employment Type:Full timePlatform:INTERNAL AUDITJob Type:RegularPay Type:SalariedPosted Date:2026-01-09Application Deadline:2026-02-13Note: Applications will be accepted until 11:59 PM on the day prior to the application deadline date aboveInclusion and Equal Opportunity EmploymentAt 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.Join our Talent CommunityStay in-the-know about great career opportunities at RBC. Sign up and get customized info on our latest jobs, career tips and Recruitment events that matter to you.Expand your limits and create a new future together at RBC. Find out how we use our passion and drive to enhance the well-being of our clients and communities at jobs.rbc.com.RBC is presently inviting candidates to apply for this existing vacancy. Applying to this posting allows you to express your interest in this current career opportunity at RBC. Qualified applicants may be contacted to review their resume in more detail.