Director, Commercial Financial Services Finance

What is the opportunity

As Director Commercial Financial Services (CFS) Finance you are part of a team of in person client-facing credit professionals aligned to our large commercial client segment within CFS defined as commercial clients with annual sales revenue between $25MM and $125MM. You play a key role in realizing our business growth objectives through the structuring delivery and management of credit for a portfolio of large commercial clients. You will lead the end-to-end credit relationship for a defined portfolio of clients with a focus on loan origination and ongoing portfolio quality oversight. You contribute to an exceptional client experience by providing superior business financial and credit advice directly to clients.

What will you do

• Collaborate with client relationship managers to structure deliver close and monitor loan transactions including credit submissions to Group Risk Management (GRM) and transaction presentations to clients

• Collaborate with client relationship managers in the preparation and presentation of credit pitchesthat clearly articulate advantages and benefitsof proposed credit solutions to existing and potential clients

• Demonstrate RBCs capability to provide customized and creative credit solutions in a timely manner and deliver credit solutions that meet or exceed our clients needs

• Manage all aspects of the credit approval process including ComCom and GRM developing strong working relationships with National Office personnel and risk managers.

• Actively develop strengthen and deepen client relationships and engage with key RBC partners including Group Risk Management Private Banking Corporate Client Group (including the ABL MMLF and Mezz teams) National Specialized Solutions (e.g. Leasing Trade Finance) Personal Banking and others

• Exercise due diligence in recommending credit applications working in collaboration with Risk Management especially in supporting risk processes and guidelines in order to find the appropriate mix of credit risk and structural mitigants.

• Maintain portfolio quality oversight through proactive portfolio management including annual credit renewals covenant monitoring and control

What do you need to succeed

Must-have

• Proven track record in financial and credit analysis in support of exceptional client relationship management

• Minimum five years experience in commercial lending at a major financial institution

• Undergraduate degree in Business Economics Accounting or Finance with strong quantitative financial modeling and analytical skills as well as an ability to analyze company financial statements

• Strong skills with Microsoft Office as well asexperience with emerging resources communications and technology (e.g. online data resources web-based meetings social media digital banking and mobile applications)

• Professional verbal and written communication skills with a high level of attention to detail in both written work and financial analysis

• Strong organizational skills ability to perform well under pressure prioritize multiple tasks and projects while meeting time-sensitive deadlines

Nice-to-have

• MBA CPA or CFA

• Work experience in corporate lending corporate finance real-estate or sponsored transactions

• Trained in credit and accounting with an ability to manage complex concepts

• Ability to communicate in French

Whats 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.

• Ability to make a difference and lasting impact

• Work in a dynamic collaborative progressive and high-performing team

• Opportunities to do challenging work