Job Description
What is the opportunity?As Manager, Credit Structures, you will be a credit professional providing innovative credit solutions, professional value-added advice, and credit expertise to Private Banking clients. You will be responsible for Private Banking client credit relationships and focused on winning as One RBC by introducing clients to the right solutions, partners, and capabilities at the right time.What will you do?Provide high-end relationship management and credit advice to high-net-worth Canadians following all five principles of the Black Card Experience
Deliver a superior, professional, best-in-class credit experience through excellence in completing deep-discovery conversations with clients regarding their credit needs, analyzing the various options while leveraging the tools at your disposal, and presenting solutions centered on credit advice
Provide proactive credit advice to all Private Banking clients and develop innovative and creative credit solutions
Prepare and submit comprehensive and accurate credit proposals for approval with a sense of urgency, supported by required due diligence and analysis of financial statements
Lead the discussion with clients around mortgage renewals and process client requests
Proactively manage credit renewals by submitting files within deadlines
Collaborate with key partners such as Risk Management to provide winning solutions for clients
Fluent in Mandarin and/or Cantonese
3-5 years of lending experience and demonstrated proficiency in personal/small business credit structuring in the banking industry.
Proven ability to analyze, interpret, and understand financial statements to articulate cash flow from multiple income streams (personal and business).
Expert knowledge of HEF products and policies
Ability to partner and network across platforms in order to provide tailored credit solutions.
Exceptional written and verbal communication skills, strong problem solving and negotiation skill
University or college degree.
Complex lending, small business and/or commercial banking experience.
Knowledge and understanding of RBC Private Banking financing products, credit/risk procedures, guidelines, and standards
Strong commitment to continuous learning and educational development.
Demonstrated persistence to achieve desired goals and the agility to handle change with flexibility.
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. At moment we follow 3 days a week on site presence which may change with adequate notice.
Opportunities to do challenging work.
Opportunities to take on progressively greater accountabilities.
Access to a variety of job opportunities across business and geographies
Address:
260 EAST BEAVER CREEK RD:RICHMOND HILLCity:
Richmond HillCountry:
CanadaWork hours/week:
37.5Employment Type:
Full timePlatform:
PERSONAL & COMMERCIAL BANKINGJob Type:
RegularPay Type:
SalariedPosted Date:
2025-12-03Application Deadline:
2026-06-30Note: Applications will be accepted until 11:59 PM on the day prior to the application deadline date aboveOur Employment OpportunitiesAt RBC, we are guided by living shared values of Client First, Integrity, Collaboration, Respect and Excellence and winning together as One 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 Community
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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 jobs.rbc.com.
Manager, Credit Structures • RICHMOND HILL, Ontario, Canada
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