Associate Director, Execution National Accounts, Commercial Banking

Associate Director, Execution National Accounts, Commercial Banking - Calgary Requisition ID: 242272 Purpose Contributes to the overall success of the National Accounts Team in Canadian Business Banking, ensuring specific individual goals, plans, initiatives are executed or delivered in support of the team’s business strategies and objectives. Ensures all activities conducted are in compliance with governing regulations, internal policies and procedures. Accountabilities Participate in timely analysis, structuring and preparation of credit/financial solutions proposals for a dedicated portfolio of connections, gathering, analyzing and consolidating large volumes of information into credit applications for adjudication, under the guidance of the Director & Group Lead, Execution. Provide prompt and sound recommendations in structuring, pricing, due diligence, analysis and presentation of credit proposals. Ensure the timely analysis, structure and presentation of credit/financial solutions/proposals within the defined market area. Provide prompt and sound recommendations in the analysis and adjudication of credit proposals. Ensure writings clearly convey the rationale for decisions so they may respond effectively to clients. Recommend pricing for loans and credit-related fees that yield a return commensurate with risk and due regard to profit, administration and competitive considerations. Recommend alternative terms, conditions and covenants to provide a viable banking proposal to the client within sound credit lending practices. Restructure marginal proposals into bankable deals where possible. Provide guidance, coaching and counsel to Directors, Origination so they may better serve clients’ needs. Review all written credit authorizations to ensure accuracy, completeness and clarity. Ensure prompt follow‑up for acceptance of the authorization and react swiftly to any problems, amendments, extensions, reporting to senior management where necessary. Vet security documentation required to close loan transactions and address issues surrounding the adequacy, quality and completeness of loan documentation and security. Conduct and/or assist the team in detailed evaluation of all information received for analysis of closing conditions, reporting deficiencies or findings to senior management. Liaise with Directors, Origination to ensure any required changes and follow‑up for accurate execution and delivery of same prior to disbursement of funds. Requirements Conduct a detailed evaluation of all information received, reporting deficiencies or negative findings to senior management. Ensure early identification of problem loans and maintain accuracy of risk ratings through identification of changes in account quality via review of industry/economic trends. Adhere to regulatory and internal bank policies and requirements. Advise senior management of any credit weaknesses developing within individual accounts through ongoing awareness and analysis of relevant financial, legal, political, technological, and industry information. Assist in coaching and counselling to Senior Client Service Associates and Associates by developing credit competencies relative to assigned accounts and providing timely performance feedback on credit analysis presented for review. 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. Ensure efficient operations of areas while maintaining adherence to operational risk, regulatory compliance risk, AML/ATF risk and conduct risk, including responsibilities under the Operational Risk Management Framework, Regulatory Compliance Risk Management Framework, AML/ATF Global Handbook and the Guidelines for Business Conduct. Champion a high‑performance environment and contribute to an inclusive work environment. Reporting Relationships Primary Manager: Director and Group Lead, Execution, National Accounts, Canadian Business Banking Direct Reports: Associate, National Accounts, Canadian Business Banking Education University Degree with Business or Accounting Background – MBA or professional designation preferred. Commitment to participate in continually learning programs. Skills/Experience At least 5 years of commercial or corporate banking experience or credit risk management experience; familiarity with Loan Syndication and Global Capital markets. In‑depth knowledge of the Bank’s lending policies, practices and procedures, and awareness of business trends, economic, technological, social, legal and political conditions that could affect credit viability. Solid understanding of financial statements and accounting principles and policies. Strong risk assessment and credit skills and ability to structure deals. Strong understanding of complex loan documentation. Strong knowledge of Canada’s financial services marketplace and of the assigned market area’s key industries, major customers and competitive positioning. Solid understanding of the Canadian Business Banking objectives, strategies and structures; tactical planning and implementation/management skills. Strong sales management, coaching, relationship building and leadership skills. Strong interpersonal skills for business development and team environment facilitation. Effective articulation of views to all levels within the Bank and externally. Proficient computer skills, including word processing, spreadsheet software and planning tools. Good knowledge of commercial banking products and services, systems, routines and operating procedures. Knowledge of Bank’s business lending and deposit products, services and customer profitability models. Good knowledge of competitor offerings and alternative financing sources. Strong knowledge of products and services from the Bank’s specialized sales forces and other delivery channels such as Global Banking & Markets, Global Transaction Banking, Global Wealth Management, Retail & Small Business Banking. Good knowledge of interviewing, solicitation and business development techniques. Thorough knowledge of all commercial management platforms. Working knowledge of services provided by Shared Services Business Support Centre. Working Conditions Work in a standard office environment. Non‑standard hours are a common occurrence. Regular domestic travel is required (vehicle required). Location(s): Canada : Alberta : Calgary Scotiabank is a leading bank in the Americas. Guided by our purpose: “for every future”, we help our customers, their families and their communities achieve success through a broad range of advice, products and services, including personal and commercial banking, wealth management and private banking, corporate and investment banking, and capital markets. At Scotiabank, we value the unique skills and experiences each individual brings to the Bank, and we are committed to creating and maintaining an inclusive and accessible environment for everyone. If you require accommodation (including, but not limited to, an accessible interview site, alternate format documents, ASL Interpreter, or Assistive Technology) during the recruitment and selection process, please let our Recruitment team know. Candidates must apply directly online to be considered for this role. We thank all applicants for their interest in a career at Scotiabank; however, only those candidates who are selected for an interview will be contacted. #J-18808-Ljbffr