Senior Commercial Credit Advisor - Agriculture

What is the opportunity?

You will support Relationship Managers (RM) in credit renewal and adjudication of files < $3 MM Total Single Name Exposure, primarily in the Agriculture industry, and including new client acquisitions and increases at renewal, reviewing and establishing Borrower Risk Rating (BRR) ensuring credit structures mitigate credit risks. You will adjudicate transaction requests and approve policy exceptions within Delegated Lending Authorities using sound judgment and a balanced approach to portfolio quality. You will deliver on superior client service by structuring transactions with a client centric approach and creating strong partnerships with RMs, Group Risk Management and Business Service Centre in order to optimize the internal process, reduce response times and increase effectiveness.

What will you do?

• Assist RMs with completing credit renewals, balance client needs and high risk situations effectively, while ensuring account managers are informed of any changes in the review schedule
• Exercise due diligence in preparing credit renewals and adjudication re: know your client, know the transaction, credit structure, risk analysis and client strategy
• Apply sound knowledge of the Agriculture industry segment to support the credit needs of RMs and their clients
• Identify risk issues and take proactive action, keep up-to-date on economic trends and stay abreast of Credit Administration & Compliance Trends, recommending action to correct unsatisfactory situations
• Develop strong working relationships with the Relationship Managers to optimize overall processing time
• Assist Relationship Manager in maximizing opportunity spotting with all clients to enhance retention, referrals, and sales activities and contribute to superior client care
• Demonstrate commitment to teamwork and collaboration through coaching

What do you need to succeed?

Must-have

• Previous Commercial Banking, Small Business lending or credit experience
• Knowledge of commercial financial services credit tools, including Newton & Synergy
• Strong business acumen and general Agriculture industry knowledge
• Solid company financial statement analysis skills
• Professional oral and written communication skills
• Degree in a Finance, Commerce, Management or an accounting related field

Nice-to-have

• CFA, MBA
• Experience as a Commercial Account Manager, Relationship Manager or Financing Specialist

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.

• 4 weeks’ vacation to start
• A comprehensive Total Rewards Program
• Leaders who support your development
• Ability to make a difference and lasting impact
• Opportunity to take on progressively greater accountabilities

Job Skills

Agriculture Industry, Coaching Others, Commercial Credit Risk, Communication, Confidentiality, Decision Making, Detail-Oriented, Information Capture, Process Management, Risk Management

Additional Job Details

221 WOODLAWN RD W:GUELPHGuelphCanada37.5Full timePERSONAL & COMMERCIAL BANKINGRegularSalaried2026-03-242026-04-10

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

Our Employment Opportunities

At 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.

RBC is presently inviting candidates to apply for this existing vacancy. Applying to this posting allows you to express your interest in this current career opportunity at RBC. Qualified applicants may be contacted to review their resume in more detail.