Director - Credit Structures - Private Banking - RBC - Toronto

Job description
Position Purpose
This is an exceptional opportunity for a high functioning, astute individual to work in a fast paced, highly professional and high growth environment. It is an opportunity to work for the # 1 rated Private Bank in Canada for 7 consecutive years **Euromoney Private Banking Survey 2014 - 2013 – 2012 – 2011 - 2010 - 2009 – 2008.

The credit structures team of Canadian Private Banking consists of 120 credit specialists located across the country. As the dedicated credit professional within the private banking platform, the credit specialist is responsible for the delivery of credit solutions to our high net worth customers.

The Director, Credit Structures is a specialized role within the team, providing dedicated support in the underwriting of new credit opportunities. Specifically, the incumbent is responsible for providing support to the private banking team in the underwriting of our largest and most complex transactions and customers. In this role, they will work directly with highest net worth customers in developing appropriate credit structures, obtaining risk management approval and managing loan closing. The position supports GTR, with flexibility of location (Toronto, Mississauga, Richmond Hill).


Keys to success will include a strong business development orientation, the ability to formulate creative lending solutions, build effective loan structures and complete thorough loan underwriting. The ability to partner and lever other areas of expertise within the bank in the development of solutions will be essential (e.g. Risk Management, Business Banking, Capital Markets, Insurance).

The incumbent will also act as the centre of expertise on selected products/programs, help lead in the development and implementation of new lending programs and initiatives.

Key Accountabilities
- Discovery / Underwriting of new lending opportunities (80%)
* Larger, complex transactions
* Holding / investment companies
* Borrowers with complex personal / business / structure
* Securities / portfolio analysis
* Tax / trust complexity

- National centre of expertise (10%)
- Special project / program implementation (10%)

Key Relationships:
- Risk Management
- Regional Manager Credit Specialists / Credit Specialists
- Private Bankers
- Capital Markets

Knowledge/Experience

- Strong lending experience
- Familiar with corporate secured lending structures and required documentation
- Experience in business / commercial markets or risk management
- Strong business development orientation
- Ability to manage to tight timelines
- University graduate with business related knowledge (preferred: CFA or MBA)
- Knowledge of securities / portfolio management
- Good working knowledge of excel / financial modeling
- Strong client focus, negotiating skills
- Decisiveness, results orientation
- Team player and self motivated
- Excellent communication – written and verbal

Enter your email address:

Pass it on for Referral Bonus. Not the right role for you, but know someone we should meet? Share with him to earn $1,000 referral bonus.