Associate Director, U.S. Credit Risk Review

Job Description

What is the Opportunity?

We have an exciting opportunity to join the Credit Risk Review (CRR) team at RBC, where you will play a critical role in providing independent and objective evaluations of credit risk management practices. Your work will help ensure the effectiveness and adequacy of internal controls, credit risk ratings and corporate governance processes - focusing on Wholesale and Wealth Management portfolios in the United States. Key stakeholders include 1st and 2nd line of defense bankers, senior leadership, regulators, and auditors.

The successful candidate will lead and participate in Target Reviews, Continuous Monitoring Reviews, Risk Assessments, and other ad hoc credit projects.

What Will You Do?

Credit Risk Review Practice

• Lead and participate in the execution of CRR reviews of the Wholesale and Wealth Management portfolios. Evaluating risk rating accuracy, underwriting and portfolio management practices, emerging risks, compliance with regulatory guidance, and compliance with RBC policies and procedures.

• Provide coaching, mentorship, and performance feedback to more junior team members

• Execute the risk-based annual plan in collaboration with CRR leadership and key stakeholders ensuring adequate, risk-based coverage of the loan portfolio

• Review borrower and portfolio-level credit risk, identify appropriate remediation actions, and communicate findings clearly and effectively. Conduct risk assessments of assigned industries/portfolios.

• Evaluate and recommend improvements to risk frameworks, governance, and internal processes

• Interface with internal and external stakeholders to ensure proper identification, documentation and resolution of all risks impacting the loan portfolio

• Identify opportunities to leverage data and analytics to enhance CRR processes

• Collaborates with credit risk stakeholders across all three lines of defense

What do you need to succeed?

Requirements

• 7+ years of experience in wholesale credit in an underwriting, adjudication, credit risk review, audit, consulting, and/or regulatory capacity

• Strong knowledge of capital markets, lending products, and regulatory guidance

• Strong negotiation, oral and written communication skills

• Ability to handle a diverse workload, accept accountability, assume leadership and demonstrate initiative

Nice to Have

• Graduate degree (e.g. Master of Business Administration, Master of Science in Finance, Master of Science in Economics etc.)

• Regulatory background in a supervision and regulation role

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.

• A comprehensive Total Rewards Program include competitive compensation and flexible benefits, such as 401(k) program with company-matching contributions, health, dental, vision, life, disability insurance, and paid-time off.

• 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.

• Opportunities to do challenging work.

• Opportunities to build close relationships with clients.
  

The expected salary range for this particular position is $120,000-$200,000 depending on your experience, skills, and registration status, market conditions and business needs.

You have the potential to earn more through RBC’s discretionary variable compensation program which gives you an opportunity to increase your total compensation, provided the business meets its performance targets and you meet your individual goals.

RBC’s compensation philosophy and principles recognize the importance of a highly qualified global workforce and plays a critical role in attracting, engaging and retaining talent that:

• Drives RBC’s high-performance culture

• Enables collective achievement of our strategic goals

• Generates sustainable shareholder returns and above market shareholder value

#LI-POST

Job Skills

Business Data Analysis, Credit Risk Management, Credit Risk Review, Credit Risks, Data Visualization, Risk Assessments, Risk Ratings

Additional Job Details

Address:

GOLDMAN SACHS TOWER, 30 HUDSON STREET:JERSEY CITY

City:

Jersey City

Country:

United States of America

Work hours/week:

40

Employment Type:

Full time

Platform:

INTERNAL AUDIT

Job Type:

Regular

Pay Type:

Salaried

Posted Date:

2026-01-12

Application Deadline:

2026-02-19

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

I nclusion and Equal Opportunity Employment

At 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.