Director, GRM Commercial Credit, Real Estate Development

What is the opportunity?

As part of the Group Risk Management team, the Director is responsible for the primary adjudication and decision making with respect to the approval and amendment of new and existing credit commitments across RBC's Real Estate Development Lending Portfolio. Directors are tasked with the review and recommendation of generally large credit exposures facing a client base that principally includes top tier Canadian developers.

Experienced Directors are generally expected to be able to provide transaction structuring advice to mitigate risks, comprehensively understand the risk profiles of transactions, and communicate recommendations to leadership including senior executives. You will focus on maintaining portfolio quality, alignment with the business, operational effectiveness, sharing best practices with business partners and working towards a high level of efficiency in management of assigned portfolios, and enhancing the client experience.

• Work with the Team to maintain a strong risk profile, and manage the assigned portfolio in such a way as to minimize losses and maximize return.
• Adjudicate Real Estate Development credit applications within your delegated lending limits. Influence portfolio quality through strategic assessment of risk, attention to data quality and knowledge-sharing.
• Deliver consistent decisions with solid communication of rationale for support, amendments or declines.
• Ensure clients and colleagues are treated with respect, a highly professional empathetic approach is used, and good working relationships are maintained. Look for, and act upon, opportunities to strengthen the efficiency, accessibility, and responsiveness of key risk processes and practices.
• Partner with stakeholders to achieve collective results. Act as a catalyst to ensure the team is strategically aligned with business strategies while maintaining the Bank's desired risk profile.
• Take initiative to proactively seek, demonstrate, and facilitate consistency in credit adjudication fully utilizing other resources including other risk teams.
• Ensure accurate and consistent processes/controls are in place and being followed to protect shareholder interests. Ensure credit transactions are adjudicated, for the most part, within Policy Guidelines, Standards, and Procedures and mitigate risks as necessary.

• 5+ years of commercial real estate experience with a preferred focus on Real Estate Construction and Development.
• Strong communication, coaching, and conflict resolution skills.
• Proven ability to make decisions in the presence of pressure and uncertainty.
• Undergraduate Degree.

• Previous Real Estate experience within commercial or corporate banking.
• In-depth knowledge of RBC Risk Policies, procedures & practices, Folios etc.
• Proficiency with Bank Technology.
• Postgraduate qualifications (CFA, CMA, MBA etc.).

• A comprehensive Total Rewards Program including bonuses and flexible benefits, competitive compensation.
• Ability to make a difference and lasting impact.
• Work in a dynamic, collaborative, progressive, and high‑performing team.
• Opportunities to take on progressively greater accountabilities.

Job

Skills:

Commercial Real Estate, Credit Analysis, Decision Making, Financial Statement Analysis, Fraud Management in Retail, Leadership, Loss Prevention Plans, Real Estate, Real Estate Development, Retail Audits, Retail Investigations, Retail Problem Management Process, Retail Service Request Management Process, Retail Systems, Taking Ownership.

Address: RBC CENTRE, 155 WELLINGTON ST W:

TORONTO

City:
Toronto

Country:
Canada

Work hours/week: 37.5

Employment Type:

Full time

Platform: GROUP RISK MANAGEMENT

Job Type: Regular

Pay Type:

Salaried

Posted Date:

Final date to receive applications:

Applications will be accepted until 11:59 PM on the day prior to the Final date to receive applications date above.

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