Job Description

Program Overview

This 2-year program consists of three tailored credit rotations across different Commercial and Wholesale credit adjudication teams with the duration of each rotation ranging from 6 to 9 months. During these rotations, you will gain exposure to an assortment of different borrowing requests and learn how to evaluate same.

Throughout the program, you will receive formal credit training, regular feedback, mentorship, and coaching to support your development and build relationships.

What Will You Do?

Credit Adjudication & Risk Assessment:

• Review and adjudicate complex borrowing requests and transactions.
• Analyze company financial statements and assess risk profiles
• Analyze business and financial risk to evaluate corporate, leveraged finance, and commercial transactions.
• Assist in evaluating risk considerations for new transactions and contribute to the development of deal structures that adequately mitigates key risk concerns
• Review Transaction Requests, term sheets and risk assessments within agreed timelines and/or turn-around benchmarks; prepare credit approval recommendations, identify exceptions to applicable policies and guidelines, and suggest appropriate mitigants.
• Review and adjudicate financial models and assist in continuous oversight of borrower’s business and financial performance through monitoring of financial and industry information, regulatory changes, third party analysis including rating agency publications, and other early warning signals
• Support diverse sectors including Consumer, Retail, Industrials, Healthcare, Real Estate, Technology, Media, Energy, Financial Services, and Infrastructure
• Interact professionally with Relationship Managers, underwriting teams and other key stakeholders in both Canadian Banking and Capital Markets.

What Do You Need to Succeed?

Must-Have Qualifications

• Minimum bachelor’s degree from an accredited university
• Minimum of 3 years’ work experience (doesn’t have to be in financial services)
• Strong proficiency in Microsoft Excel, solid financial literacy, and understanding of credit metrics
• Ability to analyze financial statements and assess credit risk
• Effective verbal and written communication skills, with ability to articulate complex credit concepts clearly
• Strong critical thinking skills with demonstrated ability to identify, analyze, and quantify risks and mitigants
• Attention to detail, strong time management, and ability to multi-task across multiple transactions and priorities
• High learning agility and strong intellectual curiosity with demonstrated commitment to continuous improvement
• Strong problem-solving ability with capacity to work through complex, ambiguous situations
• Demonstrated commitment to pursuing a career in credit risk management

What’s in It for You?

• Comprehensive Compensation: Competitive salary at PL08 level with variable bonus and a comprehensive Total Rewards Program including flexible benefits and stock where applicable
• Formal Development: Structured credit training, mentorship, and coaching throughout the program to accelerate your growth
• Exposure & Networking: Collaborate with senior leadership and build meaningful connections across the organization
• Impactful Work: Work on challenging and impactful assignments in dynamic, collaborative, and high-performing teams
• Culture: Join an organization that values continuous improvement, progressive thinking, and working together to deliver trusted advice that helps clients thrive and communities prosper

Job Skills

Business Process Design, Decision Making, Financial Risk Management (FRM), Operational Risks, Risk Control, Risk Management, Teamwork

Additional Job Details

Address:

RBC CENTRE, 155 WELLINGTON ST W:TORONTO

City:

Toronto

Country:

Canada

Work hours/week:

37.5

Employment Type:

Full time

Platform:

GROUP RISK MANAGEMENT

Job Type:

Regular

Pay Type:

Salaried

Posted Date:

2026-03-25

Application Deadline:

2026-04-06

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.

Join our Talent Community

Stay 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 jobs.rbc.com

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.