Bilingual Commercial Credit Advisor

Job Responsibility:

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, including increases at renewal, reviewing and establishing Borrower Risk Rating 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 CAM, Group Risk Management and Business Service Centre in order to optimize the internal process, reducing responsive time and increasing effectiveness.

What will you do?

• Develop and utilize specialized knowledge and experience of specific industry/segment(s) to support the credit needs of RM and their clients
• Assist RMs with completing monthly 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 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 RMs to optimize overall processing time
• Assist RMs in maximizing opportunity spotting with all clients to enhance retention, referrals, and sales activities and contribute to superior client care
• Liberate capacity for supported RMs by effectively/proactively managing the credit renewal process in order to provide them with more client facing time
• 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 & Synergie
• Strong Business Acumen
• Solid company financial statement analysis skills
• Professional oral and written communication skills
• Degree in a Finance, Commerce, Management or an accounting related field
• Bilingualism (English and French) required, as you will regularly do business with RBC partners and/or employees across Canada with English and French speaking needs

Nice-to-have

• CFA, MBA
• Experience as a Commercial Account/Relationship Manager

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.

• World-class sales and senior leadership training with countless development opportunities
• A comprehensive Total Rewards Program including bonuses and flexible benefits, competitive compensation, commissions, and stock where applicable
• A focus on work-life balance
• A unique opportunity for personal and professional growth
• Work in a dynamic, collaborative, progressive, and high-performing team

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:

1 PLACE VILLE MARIE:MONTRÉAL

City:

MONTRÉAL

Country:

Canada

Work hours/week:

37.5

Employment Type:

Full time

Platform:

PERSONAL & COMMERCIAL BANKING

Job Type:

Regular

Pay Type:

Salaried

Posted Date:

2025-05-21

Application Deadline:

2025-06-12

Note : Applications will be accepted until 11:59 PM on the day prior to the application deadline date above

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.

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