Director – Credit Risk Management – Wholesale


What is the opportunity?

In this role you will assist the Head – Group Risk Management Hub in actively promoting an Enterprise Risk Management Culture and directly a Credit Risk Management mindset across RBC Caribbean. You will also be responsible for maintaining a very high quality prime wholesale credit portfolio through proactive application and management of Credit Policy, adjudication, exception request consideration and 2nd line of defense validation and testing.

What will you do?

  • Provide leadership and has responsibility for wholesale credit adjudication activities of RBC Caribbean
  • Help build a culture of passionate teammates that excel in service quality and strive to meet and exceed all defined goals, SLAs, and targets
  • Ensure appropriate Credit Policies, Standards and Procedures are in place in support of all required Regulatory, Enterprise, and Caribbean Banking requirements
  • Ensure credit decisions are appropriate, within defined risk appetite, and exception levels are reasonable and fully supported
  • Maintain a comprehensive wholesale credit Delegation of Authority program
    • Standards and Requirements for granting DLA
    • Independent reviews of credit decision in support of DLA
    • DLA removal
  • Ensure results of reviews are directly communicated to underwriters and appropriate coaching takes place
  • Ensure independent assessment and oversight of wholesale credit adjudication activities and team initiatives are aligned to risks
  • Ensure all appropriate Policies, Standards and Procedures are in place in support of all required Regulatory, Enterprise, and Caribbean Bank requirements
  • Deliver comprehensive reporting to GRM Caribbean senior management and ensure action plans are in place to resolve issues
  • Provide analytical support and product advice and counsel and provide Credit analysis and decisioning on wholesale portfolio matters

What do you need to succeed?


  • Bachelor’s degree in Business, Mathematics, Statistics, Finance, Economics or other related fields
  • 12+ years progressive growth and experience in financial services; Wholesale Banking, product development and credit risk management
  • 10+ years of experience in Credit Risk Management and demonstrated ability in managing a highly skilled, professional team of senior level Credit Risk Managers
  • Extensive knowledge of Risk Management Principles, Credit Adjudication (Wholesale Banking), Operational Excellence, Quality Control and the balance sheet
  • Proven ability to develop and implement a sound Credit Risk Culture, demonstrating Strategic experience in leveraging the value in the unit and the department to develop better solutions and achieve an enterprise risk management mindset
  • Must possess an analytical mindset, have strong problem solving skills and a financial acumen
  • Extensive experience in risk policy, bank operations, analytics and economic factors that may impact risk levels of the Bank and/or given strategies


  • Masters of Business Administration or equivalent
  • 5+ years Credit Risk Management experience at leadership level
  • Corporate and Business Banking Credit experience

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.

  • Opportunity to Lead in a dynamically changing environment
  • The advantage of working with a dynamic, collaborative, and high performing team where initiative and hard work are recognized and rewarded
  • Leaders who help your development through coaching and managing opportunities
  • Ability to make a difference and lasting impact

At RBC, the health and wellbeing of our employees and candidates is always our top priority

Recruitment Process

COVID-19 has accelerated change across our workplace, including our hiring practices! As a result, throughout your application process, you may be asked to connect with us virtually, and may not be required to meet in-person. Our recruiters will explain how our video-interview technology will be used throughout the recruitment process, and will be on hand to answer any questions you might have.

Workplace Flexibility

You will be given the opportunity to work from home, if you can be fully productive, and role requirements including regulatory obligations can be satisfied. We are committed to supporting flexible work arrangements, investing in technology or other resources to enable you to work from home effectively, wherever possible.

Health & Safety

For employees that may be required to work from our premises, we’re doing our part to safeguard your health, and taking extra steps to reduce the spread of COVID-19. All RBC premises will allow for required physical distancing requirements, and new routines and resources such as hand sanitizer, antiseptic wipes, masks, or other protective equipment.

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Job Summary

City: Nassau

Address: 4th Floor, 101 East Hill Street

Work Hours/Week: 35

Work Environment: Office

Employment Type: Permanent

Career Level: Senior Manager/Director

Pay Type: Salaried

Required Travel (%): 0

Exempt/Non-Exempt: N/A

People Manager: Yes

Application Deadline: 09/15/2021

Req ID: 407976

Platform: Group Risk Management

  • Seniority level

    Not Applicable

  • Employment type


  • Job function

    Finance and Sales

  • Industries

    Banking and Financial Services


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