Royal Bank of Canada

Senior Manager, Special Loans & Advisory Services

Royal Bank of Canada • $110K — $130K *
Toronto, ON M3C 0E3In-Person
Finance & Insurance
5 - 7 years of experience
Yesterday
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Job Overview by Ladders

Qualifications

  • 5+ years of commercial banking or corporate insolvency experience
  • Superior financial analysis skills, including financial statement interpretation
  • Critical thinking and creative problem-solving under pressure
  • Excellent verbal and written communication skills
  • Ability to build relationships at executive levels and internally
  • Proficient in Microsoft applications, especially Excel
  • Experience in face-to-face client interactions

Responsibilities

  • Serve as the main point of contact for higher risk commercial accounts
  • Negotiate with clients professionally and respectfully
  • Conduct financial analysis and operational reviews of businesses
  • Evaluate credit structures and make tailored recommendations
  • Prepare timely credit and risk submissions for approval
  • Cultivate relationships with external advisors like accountants and lawyers
  • Act as a trusted advisor to internal banking and risk teams
  • Maintain a continuous learning approach concerning insolvency and banking products

Benefits

  • Comprehensive Total Rewards Program including bonuses and flexible benefits
  • Opportunity to engage in challenging work and develop knowledge in commercial account management
  • Leadership support for professional development
  • Ability to impact RBC's business objectives
  • Dynamic and collaborative team environment
Full Job Description
Job Description

What is the opportunity?

Reporting to the Regional Director - Ontario, Special Loans & Advisory Services, you will be responsible for managing a portfolio of complex and/or higher risk commercial relationships across a broad spectrum of industries. Constantly challenged, this role provides an excellent opportunity to support RBC's business objectives by developing creative solutions with the goal of satisfying the Bank's risk requirements, with a focus to retain relationships wherever possible. You will be required to manage relationships at the client level, along with internal partners and external advisors to optimize outcomes for the Bank. All of your skillsets will be utilized to achieve the overall mandate of mitigating financial, reputational and legal risk for the Bank.

What will you do?
  • Be the primary point of contact for a portfolio of higher risk commercial accounts, responsible for the creation and execution of the Bank's strategies for each client.
  • Conduct negotiations with clients, ensuring a high degree of professionalism while treating all clients with the utmost respect.
  • Conduct in-depth financial analysis along with operational reviews of businesses to understand historical and ongoing issues, evaluate projections and the likelihood of achievement.
  • Evaluate credit structures and make recommendations based on each unique situation, with a view to both the Bank's risk appetite and how best to work with each client.
  • Prepare credit and risk rating submissions for approval in a timely manner, articulating financial analysis, operational risk, collateral assessments and strategy recommendations.
  • Build and maintain relationships with external accounting, insolvency and legal advisors.
  • Become a trusted advisor and resource to internal commercial banking and risk partners.
  • Adopt a continuous learning mindset with respect to insolvency law, Bank products and risk appetite.


What do you need to succeed?

Must Have:
  • 5+ years of commercial banking experience managing commercial / corporate relationships or 5+ years of corporate insolvency experience.
  • Superior financial analysis skills, including the ability to analyze financial statements, projections, conduct ratio and sensitivity analysis for the purposes of risk assessment.
  • Critical thinking and creative problem solving skills, with the ability to work effectively under pressure.
  • Superior written and oral communication skills, with the ability to impact and influence others. Candidate needs the ability to listen, probe for information and synthesize information accordingly.
  • Ability to build effective relationships with clients (including at senior management / executive levels), as well as internally with colleagues across the Bank and its external advisors to facilitate problem resolutions.
  • Knowledge of Microsoft applications, with superior Excel skills preferred.
  • Experience dealing with clients in a face-to-face manner.


Nice to Have:
  • Professional designation (i.e. MBA, CPA, CIRP/LIT, CFA).
  • Previous risk management experience (including credit adjudication).
  • Understanding of the Bankruptcy & Insolvency Act as well as insolvency litigation processes.
  • Knowledge of commercial banking products and processes.
  • Previous distressed lending experience.


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 competitive compensation, bonuses and flexible benefits.
  • An opportunity to do challenging work, where you will develop intricate knowledge of commercial account management, commercial credit risk management and client communication skills.
  • Leaders who support your development through coaching and managing opportunities.
  • Ability to make a tangible impact to RBC's business objectives and goals.
  • Work in a dynamic, collaborative and high-performing team.


Job Skills

Additional Job Details

Address:

20 KING ST W: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:

2026-09-03

Application Deadline:

2026-09-17
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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Personalize your subscription to receive job alerts, latest news, and insider tips tailored to your preferences. Discover the exciting and rewarding career opportunities awaiting you at RBC. Explore the possibilities with Royal Bank of Canada, where your future is filled with potential and the path to success is paved with countless opportunities for professional and personal growth. Join us and shape not just your career but the future of the financial industry.
Learn more about Royal Bank of Canada
Size
86,007 employees
Market Cap
$130.3 billion
Industry
Finance & Insurance
5 Year Trend
+8.7%
NASDAQ
RY
* Ladders Estimates

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