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Job Summary
Job Description
What is the opportunity?
As a financing specialist, focused on deepening credit skills, supporting a high performing commercial banking team with portfolio management and compliance support you will contribute to an exceptional client experience by providing superior business, financial and credit advice. Your support as a strategic partner to the Commercial Account Manager managing the credit process will enable enhanced client-facing time. You will work work closely with the RMs preparing financial / operating analysis, research for the client and sector / industry, financial modeling, Credit Risk Management reporting, account conduct, supplier / buyer analysis, etc. You will also take responsibility for dealing with all aspects of clients' annual renewal applications and working on ad hoc projects including (but not limited to) concern lists, sector analysis, client portfolios, Know Your Customer (KYC) / Anti Money Laundering (AML), client returns modeling, and others as required. In addition, supporting RMs at client meetings, preparing applications, coordinating the application process, security and product/solution process with and on behalf of the RMs, and ensuring that appropriate systems are kept up to date and used efficiently.
What will you do?
- Leverage deepening business analysis skills to meet client expectations for credit requests and completion of annual reviews
- Provide quality business analysis and credit advice through presentation options that clearly articulate advantages and benefits to the client
- Demonstrate RBC's capability to provide creative financial solutions in a timely manner and deliver credit solutions that meet or exceed needs
- Demonstrate a commitment to teamwork and collaboration by sharing best practices learned and assisting colleagues to meet the needs of all clients
- Exercise due diligence in recommending credit applications, working in collaboration with Credit Adjudicators, especially in supporting risk processes and guidelines
What do you need to succeed?
Must-have
- Proven understanding of financial and credit analysis in support of exceptional client relationship management
- Strong organizational skills, ability to manage multiple tasks while meeting time sensitive deadlines
- Strong presentation and communication skills
- Experience with emerging resources, communications and technology (i.e., online data resources, web based meetings, social media, digital banking, and mobile applications)
Nice-to-have
- Ability to conduct an assessment of risk and financial analysis, credit structuring/solutions and presenting the deal
- Strong interpersonal and negotiation skills
- Minimum post-secondary diploma/degree, ideally in Commerce, Business Administration or related experience
- Specialized industry expertise in a past role (e.g. real estate, healthcare, agriculture etc.)
- Chartered Professional Accountant designation (CPA) or Chartered Financial Analyst (CFA)
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 including performance based bonuses, flexible benefits and competitive compensation
- Leaders who support your development through coaching and managing opportunities
- Work in a dynamic, collaborative, progressive, and high-performing team
- A unique opportunity for personal and professional growth
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I
and Equal Opportunity Employment
nclusion
At RBC, we embrace diversity and inclusion for innovation and growth. We are committed to building inclusive teams and an equitable workplace for our employees to bring their true selves to work. We are taking actions to tackle issues of inequity and systemic bias to support our diverse talent, clients and communities.
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