Rbc
Finance
BilingualSeniorCommercialCreditAdvisor
“Bilingual Senior Commercial Credit Advisor at Rbc. Skills: Commercial Credit Risk, Financial Statement Analysis, Bilingualism (English and French). Support Relationship Managers (RM) in credit renewal and adjudication of files <$3 MM Total Single Name Exposure, including increases at renewal. Reviewing and establishing Borrower Risk Rating ensuring credit structures mitigate credit risks”
What You'll Achieve.
Mitigate credit risks; Optimize the internal process, reducing responsive time and increasing effectiveness; Enhance retention, referrals, and sales activities; Contribute to superior client care; Provide RMs with more client facing time
Industry & Context.
Risk analysis; Balanced approach to portfolio quality
What They're Looking For.
Must Have
Previous Commercial Banking, Small Business lending or credit experience, Business Acumen, Solid company financial statement analysis skills, Professional oral and written communication skills, Bilingualism (English and French) required
Nice to Have
CFA, MBA, Experience as a Commercial Account/Relationship Manager
What You'll Do.
Support Relationship Managers (RM) in credit renewal and adjudication of files <$3 MM Total Single Name Exposure
including increases at renewal
Reviewing and establishing Borrower Risk Rating ensuring credit structures mitigate credit risks
Adjudicate transaction requests and approve policy exceptions within Delegated Lending Authorities
Deliver on superior client service by structuring transactions with a client centric approach
Develop and utilize specialized knowledge and experience of specific industry/segment(s) to support the credit needs of RM and their clients
Assist RMs with completing monthly credit renewals
balance client needs and high risk situations effectively
Exercise due diligence in preparing credit renewals adjudication re: know your client
risk analysis and client strategy
Identify risk issues and take proactive action
keep up-to-date on economic trends and stay abreast of Credit Administration & Compliance Trends
recommending action to correct unsatisfactory situations
Develop working relationships with the RMs to optimize overall processing time
Assist RMs in maximizing opportunity spotting with all clients to enhance retention
and sales activities and contribute to superior client care
Liberate capacity for supported RMs by effectively/proactively managing the credit renewal process in order to provide them with more client facing time
How You'll Work.
Team & Collaboration
Creating partnerships with CAM, Group Risk Management and Business Service Centre in order to optimize the internal process, reducing responsive time and increasing effectiveness; Demonstrate commitment to team work and collaboration through coaching
Communication Scope
Professional oral and written communication skills; English Language; French Language
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