Job Description

What’s the opportunity?

You will contribute to the strategic business priorities of Commercial Banking Operations by leading and supporting a team of Commercial Credit Advisors (CCA) in the credit renewal process and adjudication of credit origination. Specializing in the Agriculture segment, your team will effectively partner and support Commercial Relationship Managers and be accountable for credit renewals, increases at renewal, reviewing and establishing the customer’s Borrower Risk Rating (BRR) and ensuring credit structures adequately mitigate the respective credit risks.  Through effective coaching, leadership, and talent management you will drive team productivity and efficiency.  

What will you do?

Lead and coach a team of CCA’s on credit analysis and structuring to enhance credit quality and client experienceSupport Commercial Relationship Managers (RM) in the credit processFocus on sound risk management, process efficiency, and process alignment specifically for credit renewals and adjudication for direct reportsAccountable for credit renewals, including increases at renewal, reviewing and establishing the client’s risk rating (BRR), and ensuring appropriate credit structuresAdjudicate transaction requests within Delegated Lending Authorities using sound judgment and employing a balanced approach to growth and portfolio qualityFollow established coaching routines to drive high performance, enhance client experience and ensure work volumes meet established service level agreementsPartner effectively to resolve escalations, balancing credit risk mitigation and client experience

What do you need to succeed?

Must-have

3+ years experience in Commercial lending/credit and a deep expertise in Commercial lending guidelines and policiesSolid knowledge of commercial credit analysis and adjudication Specific knowledge of lending within the Agriculture industryStrong leadership capabilitiesProfessional oral and written communication and presentation skillsAbility to collaborate and effectively partner with appropriate stakeholders

Nice-to-have

People management experiencePrior experience as a Small Business/Commercial Relationship Manager, Commercial Financing Specialist, and/or Commercial Credit AdvisorExperience using SYNERGY, NEWTON, and MS Office (Excel, Power Point, etc)Bilingual in French and English

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.

Competitive CompensationA professional and supportive team environment  A comprehensive training program on internal processes and systems  Career progression if you have what it takes to be the best.

Job Skills

Agriculture Industry, Business Credit, Commercial Credit Risk, Commercial Credit Underwriting, Communication

Additional Job Details

Address:

221 WOODLAWN RD W:GUELPH

City:

Guelph

Country:

Canada

Work hours/week:

37.5

Employment Type:

Full time

Platform:

PERSONAL & COMMERCIAL BANKING

Job Type:

Regular

Pay Type:

Salaried

Posted Date:

2025-11-19

Application Deadline:

2026-02-13

Note: Applications will be accepted until 11:59 PM on the day prior to the application deadline date above

Inclusion and Equal Opportunity Employment

At RBC, we believe an inclusive workplace that has diverse perspectives is core to our continued growth as one of the largest and most successful banks in the world. Maintaining a workplace where our employees feel supported to perform at their best, effectively collaborate, drive innovation, and grow professionally helps to bring our Purpose to life and create value for our clients and communities. RBC strives to deliver this through policies and programs intended to foster a workplace based on respect, belonging and opportunity for all.

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RBC is presently inviting candidates to apply for this existing vacancy. Applying to this posting allows you to express your interest in this current career opportunity at RBC. Qualified applicants may be contacted to review their resume in more detail.