The Corporate Credit Risk team is responsible is for the credit analysis, adjudication and monitoring of wholesale credit risk within RBC Capital Markets in Europe and Australia.

This involves the credit risk assessment, recommendation and approval of Borrower Risk Ratings (BRR) and/or facility-level Loss Given Default (LGD) segments for borrowers in wholesale portfolios.

The Associate Director will lead credit risk management for a portfolio of approximately 45 European corporate, leveraged finance and derivative clients across a diverse range of sectors including transportation, utilities, aerospace and defence, telecommunications, technology, services, healthcare, consumer & industrials.

Should you be shortlisted, do please let us know if you have any specific requirements for the interview.

This is a permanent, full-time role and requires 4 days in the 100 Bishopsgate, London office.

What will you do?

Conduct comprehensive risk assessments and assign Borrower Risk Ratings and Loss Given Default segments for portfolio counterparties.
Evaluate loan originations, adhering to the Bank’s risk appetite, including risk limits, material exposures, and concentration.
Timely monitoring and escalation of credit issues across lending and trading names to your reporting line
Approve or recommend new credit exposure within delegated authorities.
Engage proactively with front office and other teams within RBC to ensure risk management aligns with RBC's risk appetite.
Support RBC Capital Market’s growth strategy across UK, Continental Europe, and Australia.

What do you need to succeed?

Must-have

Advanced analytical capability in complex loan structures, financial analysis, and business risk assessment.
Ability to effectively evaluate business and financial risk, supported by company reporting, financial, commercial, technical, and legal due diligence.
Solid knowledge in different industry sectors, assessing their different competitive market dynamics and financial metrics to facilitate evidenced-based credit decision.
Proficiency in using and reading Excel based financial models and forecast scenario analysis.
High level of drive and motivation to manage and prioritise multiple concurrent credit requests to tight client deadlines.
Strong verbal and written delivery of transaction presentations for decision-making.
Good team player and high command of interpersonal and communication skills as role requires continual engagement within the team and business partners in Investment Banking, Leverage Finance, Corporate Banking, and Derivatives Desk.

Nice-to-have

Corporate loan origination or rating agency background.
Accounting or CFA qualification.
In addition to robust corporate credit skills, experience in leveraged finance and/or project finance.

What is 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, flexible benefits and competitive compensation
Leaders who support your development through coaching and managing opportunities
Opportunities to work with the best in the field
Ability to make a difference and lasting impact
Work in a dynamic, collaborative, progressive, and high-performing team
A world-class training program in financial services.

Agency Notice

RBC Group does not accept agency resumés. Please do not forward resumés to our employees, nor any other company location. RBC Group only pay fees to agencies where they have entered into a prior agreement to do so and in any event do not pay fees related to unsolicited resumés. Please contact the Recruitment function for additional details.

Job Skills

Business Data Analysis, Credit Analysis, Critical Thinking, Database Queries, Data Visualization, Decision Making, Long Term Planning, Operational Delivery, Quantitative Methods, Risk Management

Additional Job Details

Address:

100 BISHOPSGATE:LONDON

City:

London

Country:

United Kingdom

Work hours/week:

Employment Type:

Full time

Platform:

GROUP RISK MANAGEMENT

Job Type:

Regular

Pay Type:

Salaried

Posted Date:

2026-06-29

Application Deadline:

2026-07-13

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.