Commercial Credit Advisor supporting RBC agricultural lending, renewals, and credit adjudication. Reviewing risk, structuring transactions, and partnering with Relationship Managers to serve clients.
Responsibilities
Support Relationship Managers in credit renewal and adjudication of files under $2 MM Total Single Name Exposure, primarily in the Agriculture industry
Support new client acquisitions and increases at renewal
Adjudicate transaction requests and approve policy exceptions within Delegated Lending Authorities
Deliver superior client service through client-centric transaction structuring and strong partnerships with RMs, Group Risk Management and Business Service Centre
Assist RMs with credit renewals and keep account managers informed of review schedule changes
Perform due diligence regarding know-your-client, transaction knowledge, credit structure, risk analysis and client strategy
Apply Agriculture industry knowledge to support credit needs
Identify risk issues, monitor economic and compliance trends, and recommend corrective action
Develop relationships with Commercial Account Managers to optimize processing time
Assist with opportunity spotting to enhance retention, referrals and sales activities
Contribute to team collaboration through coaching
Requirements
Previous Commercial Banking, Small Business lending or credit experience
Strong business acumen and general Agriculture industry knowledge
Solid company financial statement analysis skills
Professional oral and written communication skills
Degree in a Finance, Commerce, Management or Agriculture
Knowledge of commercial financial services credit tools, including Newton & Synergy
Experience as a Relationship Manager and/or Financing Specialist
Bilingual in French and English
Benefits
4 weeks’ vacation to start
A comprehensive Total Rewards Program
Leaders who support your development
Ability to make a difference and lasting impact
Opportunity to take on progressively greater accountabilities
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