Commercial Credit Advisor, Agriculture

**Job Summary** **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 - 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** - Knowledge of commercial financial services credit tools, including Newton & Synergy - Experience as a Relationship 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 **Job Skills** Accounting Finance, Asset and Liability Management (ALM), Commercial Loan Review, Confidentiality, Credit Analysis, Customer Service, Customer Success, Detail-Oriented, Financial Statement Analysis, Risk Management **Additional Job Details** **Address**: 221 WOODLAWN RD W:GUELPH **City**: GUELPH **Country**: Canada **Work hours/week**: 37.5 **Employment Type**: Full time **Platform**: PERSONAL & COMMERCIAL BANKING **Job Type**: Regular **Pay Type**: Salaried **Posted Date**: 2025-04-10 **Application Deadline**: 2025-06-09 **I**nclusion** 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. **Join our Talent Community** Stay 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.