Bilingual Commercial Mortgage Analyst, Commercial Credit Adjudication- En

What is the opportunity?You will apply commercial credit expertise to achieve strategic priorities and support Relationship Managers (RMs) and their Commercial Mortgage clients in the annual review and term renewal of Commercial Mortgage facilities of all amounts, including adjudication of new credit. You will be accountable for reviewing and establishing Borrower Risk Ratings (BRR) where Commercial Mortgage exposure is at least 75% of the Borrower authorized exposure for Commercial Mortgage clients, ensuring credit structures adequately mitigate the respective credit risks. You will effectively manage the credit renewal process, to enable RMs to spend more time with clients.
Job DescriptionYou will apply commercial credit expertise to achieve strategic priorities and support Relationship Managers (RMs) and their Commercial Mortgage clients in the annual review and term renewal of Commercial Mortgage facilities of all amounts, including adjudication of new credit. You will be accountable for reviewing and establishing Borrower Risk Ratings (BRR) where Commercial Mortgage exposure is at least 75% of the Borrower authorized exposure for Commercial Mortgage clients, ensuring credit structures adequately mitigate the respective credit risks. You will effectively manage the credit renewal process, to enable RMs to spend more time with clients.
What will you do?
Develop knowledge and experience of the Commercial Mortgage product and industry to support the credit needs of Commercial Relationship Managers and their Commercial Mortgage clients
Apply your expertise to this role and take a continuous improvement approach to achieving a superior client experience
Streamline processes to simplify credit structures and make processes easier for clients
Maximize opportunity spotting to enhance retention, referrals, sales and superior client care
Provide quality business and financial analysis for existing clients and improve turn around on credit requests
Partner with RMs, Group Risk Management and other key service partners.
Maximize effectiveness through coaching, mentoring and assisting RMs, service partners and others to meet client needs
Take ownership of escalations to reach mutually acceptable solutions
What do you need to succeed?Must-have
Commercial or Small Business credit analysis/lending experience
Solid experience with analyzing company financial statements
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
Demonstrated ability to work and collaborate effectively and partner with various stakeholders
Professional verbal and written communication skills
Effective time management skills and adapt to a changing environment
Ability to structure transactions with a client centric approach, while mitigating risk
Flexibility to consider RMs' point of view in the credit structuring and decision process
Nice-to-have
Account Management or similar client facing experience
Understanding of commercial lending guidelines and policies
Degree in a finance or accounting-related field
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.
A comprehensive Total Rewards Program
A professional and supportive team environment
Ability to make a difference and lasting impact
Opportunity to take on progressively greater accountabilities
Job SkillsAccounting Finance, Commercial Mortgage Lending, Communication, Credit Adjudication, Credit Decisions, Financial Risk Analysis, Financial Statement Review
Additional Job DetailsAddress:
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:
2026-09-15
Application Deadline:
2026-11-13
Our Employment OpportunitiesAt RBC, we are guided by living shared values of Client First, Integrity, Collaboration, Respect and Excellence and winning together as One 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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