Job DescriptionWhat is the Opportunity?As a Subject Matter Expert and Examiner-in-Charge (EIC) within U.S. Credit Risk Review (CRR) , you will provide independent, objective assessment and evaluation on the effectiveness and adequacy of credit risk management practices, internal controls, credit risk ratings and corporate governance processes at RBC focusing on Wholesale and Wealth Management portfolios. Key stakeholders include 1st and 2nd line of defense bankers, RBC executives, regulators, auditors, as well as, ultimately, the U.S. Risk Committee.The successful candidate will lead and participate in a variety of assignments including Target Reviews, Continuous Monitoring Reviews, Risk Assessments, and other ad hoc credit projects.What Will You Do?LeadershipServe as Examiner-in-Charge for Target and Continuous Monitoring ReviewsProvide coaching, mentorship, and performance feedback to more junior team membersCredit Risk Review PracticeLead and participate in the execution of CRR reviews related to Wholesale Credit Risk and Wealth Management, ensuring that credit risk reviews conform to regulatory guidance and RBC policy requirements.Supports the Directors with the execution of the risk-based annual plans and reporting to stakeholders.Identify and report potential weaknesses at the borrower and/or portfolio level and recommend an appropriate remediation plan to the relevant business units. Candidates will have a strong/growing understanding of credit, including changes to the regulatory and business environments.Implements the planned credit reviews and continuous monitoring to conclude on the effectiveness of credit risk underwriting and credit risk management, adherence to policies and procedures/processes, and ensure effective control solutions are implemented.Interface with internal and external stakeholders to ensure proper identification, documentation and resolution of all risks impacting the loan portfolio.Assists the Directors to ensure adequate, risk-based coverage of the U.S loan portfolio. Facilitate effective communication with GRM-Credit Management and the business on CRR’s evaluation of risk rating processes, credit risk frameworks, risk management practices, as well as performance in key / emerging risks.Offer effective challenge to management and ensure the development of appropriate management action plans to address identified Issues, deficiencies, and CRR risk rating changes. Ensure timely, effective implementation of corrective actions.Data Analytics and Technology:Continually build understanding of key / emerging risks related to credit risk in order to help expand data analytics in our credit risk review approach.Support the team by seeking out opportunities for the effective use of data analytics and visualization toolsStakeholder Relationships:Engages team members, executives, regulators, auditors, as needed to facilitate proactive and ongoing monitoring and insights.Participates in highly sensitive situations with high-impact outcomes (with stakeholders) that could have material impact on the department, and appropriately escalates enterprise observations/issues to the CRR management.Communicate trends in credit risk issues to senior management on the results of ongoing reviewsEngages collaboratively with 3rd Line, Internal Audit colleagues as needed.What do you need to succeed?Must havesMinimum of seven years of experience in wholesale credit in an underwriting, adjudication, credit risk review, audit, consulting, or regulatory capacityExperience managing reviews or complex projects involving multiple team members and stakeholdersThorough knowledge of various capital markets lending productsStrong negotiation, oral and written communication skillsAbility to work collaboratively and productively with various internal and external stakeholdersNice to HaveRegulatory background in a supervision and regulation role is also applicableGraduate degree (e.g. Master of Business Administration, Master of Science in Finance, Master of Science in Economics etc.)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 compensationLeaders who support your development through coaching and managing opportunitiesWork in a dynamic, collaborative, progressive, and high-performing teamOpportunities to do challenging workFlexible work/life balance options#LI-POSTJob Skills Business Data Analysis, Credit, Credit Analysis, Credit Risk Management, Credit Risk Review, Credit Risks, Critical Thinking, Database Queries, Data Visualization, Decision Making, Leadership, Researching, Risk Assessments, Risk Management, Risk RatingsAdditional Job DetailsAddress: ROYAL BANK PLAZA, 200 BAY ST:TORONTOCity: TorontoCountry: CanadaWork hours/week: 37.5Employment Type: Full timePlatform: INTERNAL AUDITJob Type: RegularPay Type: SalariedPosted Date: 2025-08-29Application Deadline: 2025-09-29Note: Applications will be accepted until 11:59 PM on the day prior to the application deadline date aboveInclusion and Equal Opportunity EmploymentAt RBC, we believe an inclusive workplace that has diverse perspectives is core to our continued growth as one of the largest and most successful banks in the world. Maintaining a workplace where our employees feel supported to perform at their best, effectively collaborate, drive innovation, and grow professionally helps to bring our Purpose to life and create value for our clients and communities. RBC strives to deliver this through policies and programs intended to foster a workplace based on respect, belonging and opportunity for all.Join our Talent CommunityStay in-the-know about great career opportunities at RBC. Sign up and get customized info on our latest jobs, career tips and Recruitment events that matter to you.Expand your limits and create a new future together at RBC. Find out how we use our passion and drive to enhance the well-being of our clients and communities at .
