What is the opportunity?
Join RBC Bank in Raleigh, NC, a subsidiary of Royal Bank of
Canada that provides cross-border banking advice and solutions for
Canadians in the U.S., as our new Mortgage Loan Officer
(MLO). In this role, you will be responsible for the
delivery of real estate lending solutions to cross border
(Canadian) clients seeking to purchase US property. You
will also be responsible for structuring real estate loans which
tend to be complex in nature, often involving business owners and
financial statements, sophisticated tax structures and diverse
What will you do?
Conduct a thorough client interview to obtain all pertinent
information within established Service Level Agreement in order to
develop the most relevant financing solution and navigate the
client through the various steps and timelines to complete the
Ensure the completeness of all required documentation in Calyx
Point in order to satisfy loan structuring requirements and provide
the client with a list of required documents based on the specific
Evaluate client documents for completeness and accuracy against
stated values to complete an accurate income review and determine
appropriate lending product and rate in consultation with client
and create rate lock request.
Submit to underwriting with clear recommendation for approval
and provide the client with the credit decision and rationale.
Coordinate involvement of processing team members and engage the
appropriate team members per Service Level Agreements.
Detailed assessment of client’s situation documented in Client
Profile in order to determine product type and structure based on
client need and applicable RBC Bank Lending and Credit
Accurate and thorough completion of loan application and
negotiate loan terms and interest rates and fees.
What do you need to succeed?
Bachelor Degree- Major in business, economics, finance,
statistics or mathematics preferred with strong real estate lending
experience (a minimum of 5 years-experience)
In depth knowledge of real estate lending products, terms and
Strong business development orientation and the ability to
manage a pipeline of loans and prospects
Knowledge of securities, investment portfolios, to support asset
verification and strong client focus, negotiating skills and
decisiveness, results orientation
Team player and self-motivated with excellent communication –
verbal and written
Experience with complex loan structuring and income analysis
Experience in business/commercial lending, private banking or
Bilingual (English/ Cantonese and/or Mandarin)
Royal Bank of Canada is Canada’s largest bank, and one of the
largest banks in the world, based on market capitalization. We are
one of North America’s leading diversified financial services
companies, and provide personal and commercial banking, wealth
management, insurance, investor services and capital markets
products and services on a global basis. We have over 80,000 full-
and part-time employees who serve more than 16 million personal,
business, public sector and institutional clients through offices
in Canada, the U.S. and 37 other countries. For more information,
please visit rbc.com .
Join our Talent Community
Stay in-the-know about great career opportunities at RBC. It’s
easy! Join our Talent Community and get the inside scoop on the
jobs, career paths, and recruitment events that matter to you.
Inclusion and Equal Opportunity Employment
RBC is an equal opportunity employer committed to diversity and
inclusion. We are pleased to consider all qualified applicants for
employment without regard to race, color, religion, sex, sexual
orientation, gender identity, national origin, age, disability,
protected veterans status, Aboriginal/Native American status or any
other legally-protected factors. Disability-related accommodations
during the application process are available upon request.
Address: 8081 Arco Corporate Drive
Work Hours/Week: 40
Work Environment: Office
Employment Type: Regular - U.S.
Career Level: Experienced Hire/Professional
Pay Type: Salaried
Required Travel (%): 0
People Manager: No
Application Deadline: 11/30/2020
Req ID: 285165