No%C3%ABl Offres d'emploi - Norfolk, ON

Job Summary

The Director is primarily responsible for credit adjudication of Automotive Finance and Asset Based Lending (ABL) transactions within the Bank's Commercial Financial Services Market within their delegated lending authority or within their assigned portfolio. The incumbent will have adjudication responsibilities that are focused on maintaining the risk profile, alignment with the business, operational effectiveness, efficiency in management of assigned portfolios, and enhancing the client experience.

Job Description

What is the opportunity?

The Director is primarily responsible for credit adjudication of Automotive Finance and Asset Based Lending (ABL) transactions within the Bank's Commercial Financial Services Market within their delegated lending authority or within their assigned portfolio. The incumbent will have adjudication responsibilities that are focused on maintaining the risk profile, alignment with the business, operational effectiveness, efficiency in management of assigned portfolios, and enhancing the client experience.

As a senior member of the team the incumbent will also provide people management, coaching, and mentorship to their teammates and to their direct reports, share best practices, and act as first point of contact on any credit escalations. This role balances the rewards of meeting business objectives with the risk of loss to client and shareholders, following corporate compliance and polices to maintain risk exposure within the Bank's stated risk appetite, operate within a legal framework and in accordance with OSFI, SOX, Basel, and other regulatory requirements. This position reports directly to the National Director - GRM Commercial (Auto Finance, Asset Based Lending, Indigenous Markets, Stand-Alone Leasing).

What will you do?

• Champions client experience initiatives and applies a continuous improvement approach to achieve superior client experience levels
• Enhances change management by ensuring how we approach change is reflective of a One RBC mindset
• Takes ownership of client problems at first point of contact. Ensures clients and colleagues are treated with respect, empathy and integrity contributing to good working relationships
• Demonstrates commitment to teamwork by building team capability, identifying opportunity spotting to enhance client relationship and improve RBC revenue, and, via the CAM, introduce clients to RBC-wide services and expertise through referrals
• Ensures team is strategically aligned with business strategies while maintaining the Bank's desired risk profile
• Demonstrates leadership and commitment to build / expand / leverage good working relationships with the relevant GU(s) executive and CFS personnel to promote a mindset that risk is everybody's business, that early problem identification is critical to maintaining the risk profile and in maximizing retention opportunities
• Ensures accurate and consistent processes / controls are in place and being followed to protect shareholder interests
• Ensures credit transactions are adjudicated within Policy Guidelines, Standards, and Procedures
• People Management. The role includes the management of a small team (between 1 and 3 GG07s)

What do you need to succeed?

Must-have

Nice-to-have

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.

Job Skills

Credit Analysis, Financial Statement Analysis, Fraud Management in Retail, Loss Prevention Plans, Retail Audits, Retail Investigations, Retail Problem Management Process, Retail Service Request Management Process, Retail Systems, Taking Ownership