Credit Manager/Senior Credit Manager

2 weeks ago

Vancouver, Canada Scotiabank Full time
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FUTURE OPPORTUNITIES

Purpose

Contributes to the overall success of Canadian Business Banking, ensuring specific individual goals, plans, initiatives are executed/delivered in support of the team’s business strategies and objectives while also ensuring all activities are conducted in compliance with governing regulations, internal policies, and procedures.

The Senior Credit Solutions Manager (Sr.CSM) provides financial solutions for clients through various tasks such as risk analysis, deal structuring, credit pricing, negotiation, and presentation in concert with the Senior Client Relationship Manager (SCRM). The incumbent interfaces directly with clients, in partnership with the SCRM, and liaises with Global Risk Management through the credit decision-making process.

The incumbent is responsible for ensuring their portfolio meets compliance with various credit metrics and monitoring the portfolio to identify any negative trends. The incumbent works closely with the SCRM, Credit Analysts, and Service Specialists.

  1. Champions a customer-focused culture to deepen client relationships and leverage broader Bank relationships, systems, and knowledge.
  2. Contributes to the profitable development of Canadian Business Banking by:
  • Ensuring the timely analysis, structuring, and presentation of credit proposals;
  • Providing prompt and sound recommendations in the analysis and presentation of credit proposals;
  • Recommending pricing for loans and credit-related fees;
  • Recommending terms, conditions, and covenants to provide a viable banking proposal;

Ensures the accurate communication and effective implementation of the terms and conditions of an authorization by:

  • Reviewing all authorizations to ensure accuracy, completeness, and clarity;
  • Promptly addressing issues surrounding the adequacy, quality, and completeness of loan documentation;

Ensure the ongoing quality of the assigned credit portfolio through control and administration of specific conditions and reporting requirements by:

  • Directing and assisting Credit Analysts (CA)/Service Specialists (SS) in the evaluation of all information;
  • Adhering to regulatory and internal Bank policies and requirements;
  • Advising senior management of any developing credit weakness.

Provide coaching/counseling/Oversight to Credit Analysts by:

  • Developing the credit competencies of the CAs;
  • Providing timely performance feedback on credit analysis presented.

Champion and support a culture of diversity and other initiatives aligned with the Bank Strategy.

Understand how the Bank’s risk appetite and risk culture should be considered in day-to-day activities and decisions.

Actively pursues effective and efficient operations while ensuring adherence to day-to-day business controls to meet obligations with respect to operational risk, regulatory compliance risk, AML/ATF risk, and conduct risk.

Champions a high-performance environment and contributes to an inclusive work environment.

Commitment to participate in other training requirements as determined by the Bank.

Skills/Work Experience:

  • Previous work experience of at least 2-5 years is preferred.
  • In-depth knowledge of the Bank’s lending policies, practices, and procedures.
  • Solid knowledge and understanding of financial statements and accounting principles.
  • Excellent risk assessment and credit skills.
  • Strong knowledge of Canada’s financial services marketplace.
  • Good sales management, coaching, relationship building, and leadership skills.
  • Strong interpersonal skills for business development/customer relationship building.
  • Strong personal computer skills and familiarity with relevant software.
  • Thorough knowledge of Bank’s business lending and deposit products and services.

Working Conditions:

  • Work in a standard office-based environment; Vancouver

    At Scotiabank, we value the unique skills and experiences each individual brings to the Bank and are committed to creating and maintaining an inclusive environment. p>

    Candidates must apply directly online to be considered for this role.

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