What is the opportunity? Join RBC as an Associate Director, Credit Risk specializing in data centers and real estate lending. This position offers the opportunity to develop deep expertise in rapidly evolving sectors while influencing deal structures and risk mitigation strategies. The successful candidate will work in a dynamic and fast paced workplace that values the ability to manage competing priorities, build strong rapport with business partners and provide risk decisioning that balances client credit needs with RBC’s risk objectives.
Job Description What will you do?
Conduct comprehensive credit assessments of data center and real estate borrowers including construction / project finance and corporate lending structures.
Analyze transactions, evaluating construction risk, operational risk, sponsor strength, and cash flow adequacy.
Work collaboratively with business teams early in the transaction lifecycle to identify key credit risks and recommend appropriate deal structures and mitigation strategies.
Review and adjudicate Credit Requests within agreed timelines, assign appropriate Risk Ratings, and elevate exceptions to applicable policies and guidelines.
Conduct timely risk assessments incorporating continuous monitoring of financial performance, industry trends, regulatory changes, and early warning signals.
Review complex financial models, conduct scenario analysis, and prepare peer group comparisons to support risk rating recommendations.
What do you need to succeed? Must-Haves
3 – 6 years of experience working in a financial institution or rating agency, preferably with some project finance or real estate experience
Comprehensive understanding of financial statements and demonstrated experience in financial analysis
Advanced communication skills, including a proven ability to articulate recommendations to influence decision making
Significant experience with Excel,
including using Excel as a tool for financial analysis and the ability to navigate a financial model
Analytical and curious mindset with the ability to identify key details while filtering out extraneous information
Ability to deal with obstacles and ambiguity in an environment that can involve competing priorities and tight timelines
Strong communication skills and ability to work collaboratively to develop effective solutions/recommendations
Nice-to-Haves
Completed, or in process of completing, an MBA and/or post graduate degree, CPA and/or CFA
Experience with online research tools (Bloomberg, SNL, Capital IQ, S&P;/Moody's/Fitch ratings)
Interest in pursuing a career in Risk Management
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 including bonuses and flexible benefits, and competitive compensation
A team-oriented environment with a focus on learning and development
Leaders who support your development through coaching and managing opportunities
Ability to make a difference and lasting impact
Job Skills Accounting Finance, Commercial Loan Review, Credit Analysis, Credit Risk Analysis, Credit Risk Management, Detail-Oriented, Financial Accounting Analysis, Financial Statement Analysis, Project Finances, Real Estate, Risk Analysis, Risk Management
Additional Job Details Address ROYAL BANK PLAZA, 200 BAY ST: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 2026-08-19
Application Deadline 2026-09-02
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📌 Associate Director, Credit Risk (Toronto)
🏢 RBC
📍 Toronto