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The Director is primarily responsible for credit adjudication of Automotive Finance and Asset Based Lending (ABL) transactions within the Bank's Commercial Financial Services Market within their delegated lending authority. The incumbent will have adjudication responsibilities that are focused on maintaining the risk profile, alignment with the business, operational effectiveness and efficiency in management of assigned portfolios, and enhancing the client experience.
As a senior member of the team they also provide coaching and mentorship to their teammates, share best practices and act as first point of contact on any credit escalations. This role balances the rewards of meeting business objectives with the risk of loss to client and shareholders following corporate compliance and polices to maintain risk exposure within the Bank's stated risk appetite and to operate within a legal framework and in accordance with OSFI, Basel, and other regulatory requirements. This position reports directly to the National Director - GRM Commercial Auto Finance & ABL.
What will you do?
Champions client experience initiatives and applies a continuous improvement approach to achieve superior client experience levels
Enhances change management by ensuring how we approach change is reflective of a One RBC mindset
Takes ownership of client problems at first point of contact. Ensures clients and colleagues are treated with respect, empathy and integrity contributing to good working relationships
Demonstrates commitment to teamwork by building team capability, identifying opportunity spotting to enhance client relationship and improve RBC revenue and introduce clients to RBC-wide services and expertise through referrals
Ensures team is strategically aligned with business strategies while maintaining the Bank's desired risk profile
Demonstrates leadership and commitment to build/expand/leverage good working relationships with the relevant GU(s) executive and CFS personnel to promote a mindset that risk is everybody's business, that early problem identification is critical to maintaining the risk profile and in maximizing retention opportunities
Ensures accurate and consistent processes/controls are in place and being followed to protect shareholder interests
Ensures credit transactions are adjudicated, for the most part, within Policy Guidelines, Standards, and Procedures
What do you need to succeed?
5+ years of risk management experience and/or Commercial Account Management experience with a focus on Automotive Finance and Asset Based Lending (ABL). Strong Risk assessment & analysis skills
Strong communication, coaching and conflict resolution skills.
Undergraduate degree. With preferred post graduate qualifications (CFA, CMA, MBA etc.)
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 and flexible benefits, competitive compensation
Ability to make a difference and lasting impact
Work in a dynamic, collaborative, progressive, and high-performing team
Opportunities to take on progressively greater accountabilities
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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 http://www.rbc.com/careers/index.html rbc.com/careers.
JOB SUMMARY City: Toronto Address: 155 Wellington St. W Work Hours/Week: 37.5 Work Environment: Office Employment Type: Permanent Career Level: Senior Manager/Director Pay Type: Salary + Variable Bonus Required Travel (%): 0-25 Exempt/Non-Exempt: N/A People Manager: No Application Deadline: 10/01/2019 Req ID: 198610 Ad Code(s):
Internal Number: 6559743
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