Bilingual Commercial Credit Advisor, Commercial Credit Adjudication - Agriculture

RBC • Montreal, QC

3d • Onsite

About The Position

This role supports Relationship Managers (RM) in credit renewal and adjudication of files under $2 MM Total Single Name Exposure. This includes handling increases at renewal, reviewing and establishing Borrower Risk Rating, and ensuring credit structures mitigate credit risks. The advisor will adjudicate transaction requests and approve policy exceptions within Delegated Lending Authorities, using sound judgment and a balanced approach to portfolio quality. A key aspect of the role is delivering superior client service by structuring transactions with a client-centric approach and fostering strong partnerships with CAM, Group Risk Management, and the Business Service Centre to optimize internal processes, reduce response times, and increase effectiveness.

Requirements

• Previous Commercial Banking, Small Business lending or credit experience
• Experience in the Agriculture industry
• Knowledge of commercial financial services credit tools, including Newton & Synergie
• Strong Business Acumen
• Solid company financial statement analysis skills
• Professional oral and written communication skills
• Degree in a Finance, Commerce, Management or an accounting related field
• Bilingualism (English and French) required, as you will regularly do business with RBC partners and/or employees across Canada with English and French speaking need

Nice To Haves

• CFA, MBA
• Experience as a Commercial Account/Relationship Manager

Responsibilities

• Develop and utilize specialized knowledge and experience of specific industry/segments to support the credit needs of RMs and their clients.
• Assist RMs with completing monthly credit renewals, balancing client needs and high-risk situations effectively, while ensuring account managers are informed of any changes in the review schedule.
• Exercise due diligence in preparing credit renewals adjudication regarding know your client, know the transaction, credit structure, risk analysis, and client strategy.
• Identify risk issues and take proactive action, stay up-to-date on economic trends and Credit Administration & Compliance Trends, recommending action to correct unsatisfactory situations.
• Develop strong working relationships with RMs to optimize overall processing time.
• Assist RMs in maximizing opportunity spotting with all clients to enhance retention, referrals, and sales activities and contribute to superior client care.
• Liberate capacity for supported RMs by effectively/proactively managing the credit renewal process to provide them with more client-facing time.
• Demonstrate commitment to teamwork and collaboration through coaching.

Benefits

• Bonuses
• Flexible benefits
• Competitive compensation
• Commissions
• Stock where applicable
• World-class sales and senior leadership training with countless development opportunities
• A comprehensive Total Rewards Program

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level