Job DescriptionWhat is the opportunity?Group Risk Management - Commercial & Wholesale Credit focuses on risk assessment and adjudication of Capital Markets, Corporate Client Group, and Commercial transactions across the globe.
As Associate Director covering SMUSH* borrowers, and the Forestry and Chemical industries, your experience with financial analysis and credit and ability to quickly determine what's relevant and what's not will set the stage for success.
*(Sub-sovereigns, municipalities, universities, schools, and hospitals)
What will you do?- Work closely with the business at early stages on the risk aspects of any new transaction under consideration and provide direction and guidance as required to ensure the eventual deal structure adequately mitigates key risk concerns
- Review Transaction Requests, term sheets, and risk assessments within agreed timelines and/or turn-around benchmarks; highlight exceptions to applicable policies and guidelines; and suggest enhancements
- Ensure an appropriate balance between Risk and Return
- Review and adjudicate financial models and assist in continuous oversight of borrower's business and financial performance through monitoring of financial and industry information, regulatory changes, third-party analysis including rating agency publications, and other early warning signals
What do you need to succeed?Must-Haves- Minimum 5 years of experience working in a financial institution, preferably in lending
- Good understanding of loan and trading credit products with a proven track record of building effective relationships with internal/external stakeholders
- Significant experience with Excel, including as a tool for financial analysis and a good understanding of financial modelling and financial statement analysis
- Analytical and intellectually curious mindset
- Ability to deal with obstacles and work to develop effective solutions/recommendations on tight timelines
- Strong communication skills (both written and presentation) and ability to work with others in a collaborative manner
Nice-to-Haves- Postgraduate degree, accounting designation and/or CFA
- Interest in pursuing a career in credit risk management
- Industry knowledge and experience
What is in it for you?We thrive on the challenge to be our best, progressive thinking, to keep growing, and working together to build and deliver trusted reporting to help our stakeholders succeed and communities prosper. We care about each other, reaching our potential, making a difference to our communities, and achieving success that is mutual.
- A comprehensive Total Rewards Program including bonuses and flexible benefits, competitive compensation
- Ability to make a difference and lasting impact
- Work in a dynamic, collaborative, progressive, and high-performing team
- Opportunities to take on progressively greater accountabilities
Job SkillsAccounting Finance, Asset and Liability Management (ALM), Commercial Loan Review, Confidentiality, Credit Analysis, Customer Service, Customer Success, Detail-Oriented, Financial Statement Analysis, Risk Management
Additional Job DetailsAddress:ROYAL BANK PLAZA, 200 BAY ST:TORONTO
City:Toronto
Country:Canada
Work hours/week:37.5
Employment Type:Full time
Platform:GROUP RISK MANAGEMENT
Job Type:Regular
Pay Type:Salaried
Posted Date:2026-07-03
Application Deadline:2026-07-17
Note: Applications will be accepted until 11:59 PM on the day prior to the application deadline date above
