Credit Manager - Banking H/F

As Manager, Credit Structures, you will be a credit professional providing innovative credit solutions, professional value-added advice, and credit expertise to Private Banking clients. You will be responsible for Private Banking client credit relationships and focused on winning as One RBC by introducing clients to the right solutions, partners, and capabilities at the right time.
Provide high-end relationship management and credit advice to high-net-worth Canadians following all five principles of the Black Card Experience
Deliver a superior, professional, best-in-class credit experience through excellence in completing deep-discovery conversations with clients regarding their credit needs, analyzing the various options while leveraging the tools at your disposal, and presenting solutions centered on credit advice
Provide proactive credit advice to all Private Banking clients and develop innovative and creative credit solutions
Prepare and submit comprehensive and accurate credit proposals for approval with a sense of urgency, supported by required due diligence and analysis of financial statements
Lead the discussion with clients around mortgage renewals and process client requests
Proactively manage credit renewals by submitting files within deadlines
Collaborate with key partners such as Risk Management to provide winning solutions for clients

Fluent in Mandarin and/or Cantonese

• 3-5 years of lending experience and demonstrated proficiency in personal/small business credit structuring in the banking industry.
• Proven ability to analyze, interpret, and understand financial statements to articulate cash flow from multiple income streams (personal and business).
• Expert knowledge of HEF products and policies
• Ability to partner and network across platforms in order to provide tailored credit solutions.
• Complex lending, small business and/or commercial banking experience.

Knowledge and understanding of RBC Private Banking financing products, credit/risk procedures, guidelines, and standards
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 compensation, commissions, and stock where applicable.
Flexible work/life balance options. At moment we follow 3 days a week on site presence which may change with adequate notice.
Full time Platform:
PERSONAL & COMMERCIAL BANKING Job Type:
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.