Associate Director (VP/Senior Manager level), Group Risk Management, Wholesale Credit Risk (Cor ...

Job Description

The Corporate Credit Risk team is responsible for the credit analysis, adjudication and monitoring of wholesale credit risk within RBC Capital Markets in Europe and Australia. This involves credit risk assessment, recommendation and approval of Borrower Risk Ratings (BRR) and/or facility level Loss Given Default (LGD) segments for borrowers in wholesale portfolios. The Associate Director will lead credit risk management for a portfolio of approximately 45 European corporate, leveraged finance and derivative clients across sectors including transportation, utilities, aerospace and defence, telecommunications, technology, services, healthcare, consumer and industrials. This is a permanent, full time role requiring attendance 4 days a week at 100 Bishopsgate, London.

What will you do?

• Conduct comprehensive risk assessments and assign Borrower Risk Ratings and Loss Given Default segments for portfolio counterparties.
• Evaluate loan originations, adhering to the Bank's risk appetite, including risk limits, material exposures, and concentration.
• Timely monitoring and escalation of credit issues across lending and trading names to your reporting line.
• Approve or recommend new credit exposure within delegated authorities.
• Engage proactively with front office and other teams within RBC to ensure risk management aligns with RBC's risk appetite.
• Support RBC Capital Market's growth strategy across UK, Continental Europe, and Australia.

What do you need to succeed? Must-have

• Advanced analytical capability in complex loan structures, financial analysis, and business risk assessment.
• Ability to effectively evaluate business and financial risk, supported by company reporting, financial, commercial, technical, and legal due diligence.
• Solid knowledge in different industry sectors, assessing their competitive market dynamics and financial metrics to facilitate evidence based credit decision.
• Proficiency in using and reading Excel based financial models and forecast scenario analysis.
• High level of drive and motivation to manage and prioritise multiple concurrent credit requests to tight client deadlines.
• Strong verbal and written delivery of transaction presentations for decision making.
• Good team player and high command of interpersonal and communication skills as role requires continual engagement within the team and business partners in Investment Banking, Leverage Finance, Corporate Banking, and Derivatives Desk.

Nice-to-have

• Corporate loan origination or rating agency background.
• Accounting or CFA qualification.
• In addition to robust corporate credit skills, experience in leveraged finance and/or project finance.

What is 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, flexible benefits and competitive compensation.
• Leaders who support your development through coaching and managing opportunities.
• Opportunities to work with the best in the field.
• Ability to make a difference and lasting impact.
• Work in a dynamic, collaborative, progressive, and high performing team.
• A world class training program in financial services.