Senior Manager Credit Structures

Job Description

APPLICATION DEADLINE: NOVEMBER 21, 2026

This role offers location flexibility and may be based in any RBC Caribbean Banking market where the successful candidate currently resides.

What is the opportunity?

We are seeking a strategic credit professional to support our Ultra High Net Worth (UHNW) portfolio of clients, where you will serve as a trusted advisor delivering exceptional credit experiences to our most valued clients. In this role, you will lead deep-discovery conversations to understand clients' sophisticated credit needs, analyze tailored solutions, and provide expert credit advice that strengthens and grows their relationship with RBC. You will be responsible for proactively managing credit renewals, ensuring portfolio quality through sound financial acumen and adherence to lending guidelines, while maintaining a comprehensive understanding of each client's evolving financial position. As a key member of the Client Relationship Team, you will enable a One RBC enterprise approach by identifying opportunities to introduce clients to complementary solutions, specialized partners, and capabilities across our wealth management platform. This position demands strong expertise in both personal and commercial lending, exceptional relationship management skills, and the ability to collaborate effectively across multiple teams. You will combine financial rigor with strategic thinking to deliver best-in-class credit solutions that reflect RBC's commitment to excellence and position our UHNW clients for long-term success.

What will you do?

• Deliver exceptional client experience following all five principles of the Black Card Experience to deepen and grow clients’ credit relationships with a superior, professional, best-in-class credit experience,  enable and nurture a One RBC enterprise relationship by introducing clients to the right solutions, partners and capabilities.
• Lead credit discovery delivering best-in-class structuring advice by understanding client fundamentals (market position, strategy, financials, risk profile) and developing innovative structures that meet and exceed expectations while staying aligned with client objectives.
• Partner with the Private Bankers to proactively identify and assess credit growth opportunities, expand wallet share, and deepen client relationships, leading the end-to-end credit process, from opportunity assessment and structuring to adjudication, ensuring efficient approvals, timely funding and portfolio quality adherence.
• Take ownership of structuring competitive, tailored credit solutions for new money requests. Leverage deep understanding of clients' full financial picture and credit strategy to deliver best-in-class recommendations aligned to their needs and circumstances
• Collaborate closely with Group Risk Management  to align with RBC’s risk appetite and policies, serve as the primary contact with Group Risk Management, ensuring accurate, well-structured and balanced recommendations that contributes to the team’s sales objectives.
• Ensure credit and portfolio quality  - proactively manage credit renewals by submitting files within deadlines and maintain credit and portfolio quality through a sound  understanding of policy, lending guidelines and the client’s financial position.
• Collaborate with colleagues and internal partners to deliver seamless solutions that strengthen RBC’s competitive position.

What do you need to succeed?

Must-have

• Undergraduate degree, ideally in Banking, Commerce, Finance, Business Administration, or related field or experience.
• Minimum of 5 -7 years proven combined credit experience in personal and commercial banking, including an understanding of risk assessments, financial statement analysis, credit structuring solutions and deal presentations.
• Strong analytical and critical thinking skills, with the ability to design innovative credit solutions.
• Excellent communication and interpersonal skills to collaborate effectively with clients and internal partners.
• Superior client relationship management skills

Nice to Have:

• Proven knowledge and understanding of RBC Private Banking financing products, credit/risk procedures, guidelines, and standards
• Masters in relevant discipline

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
• 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

Job Skills

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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.

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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.