Royal Bank of Canada

Director, Credit Structures

Royal Bank of Canada$120K — $150K *
Finance & Insurance
Less than 5 years of experience
Job Overview by Ladders

Qualifications

  • University degree and industry designation (CFA and/or MBA preferred)
  • Strong lending experience with creative solution formulation
  • Effective relationship management and negotiation skills
  • Ability to meet strict deadlines in a fast-paced environment
  • Experience in Commercial Markets or secured lending structures (nice-to-have)

Responsibilities

  • Structure tailored credit solutions larger than typical for Private Banking
  • Partner with Private Bankers to provide proactive credit counsel
  • Manage and deepen client relationships through credit file oversight
  • Leverage lending tools and resources for client recommendations
  • Collaborate with Associate Director on loan document execution
  • Build strong relationships with Group Risk Management for credit approvals
  • Develop and maintain a list of potential complex credit opportunities

Benefits

  • Comprehensive Total Rewards Program including bonuses and flexible benefits
  • Leaders who support professional development through coaching
  • Opportunity to create a lasting impact in the community
  • Dynamic, collaborative, and high-performing team environment
  • Flexible work/life balance options
  • Challenging work opportunities
  • Progressively greater accountabilities and career advancement
  • Access to various job opportunities across business and geography
Full Job Description
Job Description

What is the opportunity?

The Director, Credit Structures, is a client-facing credit professional who provides innovative and proactive wholesale credit solutions, value-added credit discovery, planning, and advice and prompt service through to completion to Private Banking clients. Jointly with the Private Banker, you will act as the primary credit relationship manager for an assigned portfolio of wholesale credit clients, including in the investigation, formulation, and completion of complex lending structures to help grow and deepen Private Banking client credit relationships.

What will you do?
  • Structure competitively tailored credit solutions that are larger and more complex than those customary in Private Banking
  • Partner with Private Bankers in providing proactive credit advice and counsel to support the delivery of an exceptional and personal Private Banking credit experience for wholesale credit needs
  • Deepen Private Banking client relationships through ongoing management of wholesale credit files
  • Leverage tools, resources, and materials related to lending practices and products to support advice and recommendations, including wholesale credit renewals
  • Work with the Associate Director, Credit Structures, for renewals and execution of loan document signing activities
  • Establish credibility and build positive, professional relationships with Group Risk Management by presenting comprehensive, high-quality, and well-structured credit requests for approval
  • Leverage the expertise of key contacts in Tax, Legal, Commercial Markets, Capital Markets, and National Office to enhance credit structuring capabilities
  • Maintain a robust list of high potential complex credit opportunities (existing and prospect clients) and engage in proactive marketing strategies and activities for the identified accounts


What do you need to succeed?

Must-have
  • University degree and industry designation (preferably CFA and/or MBA)
  • Strong lending experience including the ability to formulate creative lending solutions, build effective loan structures, and complete detailed analyses of complex financial statements
  • Effective relationship management and negotiation skills
  • Ability to manage strict deadlines in a demanding, fast-paced environment


Nice-to-have
  • Experience in Commercial Markets, including lending and account and risk management
  • Collaborative nature allowing effective partnership with other areas of expertise within the Bank in the development of solutions (e.g., Group Risk Management, Tax, Legal, Commercial Markets, Capital Markets, and National Office)
  • Experience with secured lending structures and related documentation
  • Good working knowledge of Excel and financial modeling


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.
  • A comprehensive Total Rewards Program including bonuses and flexible benefits, competitive compensation, commissions, and stock where applicable
  • Leaders who support your development through coaching and managing opportunities
  • Ability to make a difference and lasting impact
  • Work in a dynamic, collaborative, progressive, and high-performing team
  • Flexible work/life balance options
  • Opportunities to do challenging work
  • Opportunities to take on progressively greater accountabilities
  • Access to a variety of job opportunities across business and geographies


Job Skills

Additional Job Details

Address:

VANCOUVER MAIN BRANCH (B), 1055 GEORGIA ST W:VANCOUVER

City:

Vancouver

Country:

Canada

Work hours/week:

37.5

Employment Type:

Full time

Platform:

PERSONAL & COMMERCIAL BANKING

Job Type:

Regular

Pay Type:

Salaried

Posted Date:

2026-04-17

Application Deadline:

2026-06-18
Note: Applications will be accepted until 11:59 PM on the day prior to the application deadline date above

About Royal Bank of Canada

Royal Bank of Canada Careers

Join the dynamic team at Royal Bank of Canada (RBC), a global leader in financial services and a company committed to excellence and innovation. At RBC, we offer a wide range of job opportunities that empower professionals to shape their career paths with leadership, diversity training, and continuous growth.

Work You’ll Do

At Royal Bank of Canada, we are not just hiring; we are building a culture of innovation and leadership. Our team members are at the forefront of the financial industry, driving transformation and delivering targeted solutions that meet the evolving needs of our clients and communities.

Explore Job Opportunities and Employment at RBC

Whether you are starting your career or looking to take it to the next level, RBC offers positions that challenge your skills and fuel your ambition. From entry-level positions to leadership roles, our job opportunities span across various functions and regions. Join us and be part of a team that values professional growth and diversity.

Internship and Professional Development

Kickstart your career with an internship at Royal Bank of Canada. Our internships provide invaluable hands-on experience, networking opportunities, and insights into the financial services industry. Interns at RBC gain the skills necessary to excel and are often considered for full-time positions within the company.

Benefits and Culture

At RBC, we prioritize the well-being and satisfaction of our employees. Our benefits package is designed to support our team members at every stage of their life and career. RBC’s culture is built on a foundation of respect, integrity, and responsibility, fostering an environment where everyone can thrive.

Career Growth and Innovation

We believe in nurturing the potential of our employees through continuous learning and career development programs. At RBC, you will find endless opportunities to grow professionally through on-the-job experiences, formal training programs, and leadership development initiatives. Our commitment to innovation means we are constantly seeking out new ideas and perspectives, making RBC a perfect place for those who aim to lead and innovate.

Diversity and Inclusion

Diversity is our strength. At Royal Bank of Canada, we are committed to building an inclusive workplace where every employee feels valued and respected. Our diversity training programs are designed to educate and inspire, creating a more inclusive and equitable workplace.

Join Our Team

Search open positions that match your skills and interests. We look for passionate, curious, creative, and solution-driven team players. Start your journey with RBC today and be part of a world-class team known for its commitment to client service, community involvement, and innovation.

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Learn more about Royal Bank of Canada
Size
86,007 employees
Market Cap
$130.3 billion
Industry
5 Year Trend
+8.7%
NASDAQ

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