Associate, Commercial Real Estate Banking
4 months ago
Requisition ID: 201679
Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture.
In this role you will contribute to the overall success of the Real Estate Group in Canada ensuring specific individual goals, plans, initiatives are executed/delivered in support of the team’s business strategies and objectives while ensuring all activities conducted are in compliance with governing regulations, internal policies, and procedures.
The Associate must have a good knowledge of the Bank’s lending policies, practices and procedures, as well as an awareness of business trends, economic, technological, social, legal and political conditions and factors affecting credit risk. A solid knowledge and understanding of financial statements and accounting principles and policies is required. The Associate must possess effective communication skills, both written and oral. In the administration of credit, complex loan documentation (e.g., loan agreements) and security, provision requirements must be understood and applied. The incumbent needs to be a highly organized, analytical and logical person.
- Accountabilities:_
- Champions a customer focused culture to deepen client relationships and leverage broader Bank relationships, systems, and knowledge.
- Contributes to the profitable development of National Commercial Credit business by:
- Participating in the timely analysis, structuring and preparation of credit/financial solutions proposals
- Providing prompt and sound recommendations in the analysis and presentation of credit proposals
- Restructuring marginal proposals into bankable deals where possible
- Synthesize industry research and competitive analysis
- Analyze client business cases and proposals for reasonability
- Modelling building/development of covenant patterns/vetting and stress testing of projections
- Meeting with clients and prospects as part of the “Deal Team” (as appropriate)
- Ensure the accurate communication of the terms and conditions of an authorization and supervises the effective and timely implementation of same by:
- Reviewing all credit authorizations to ensure accuracy completeness and clarity
- Ensuring prompt follow-up for acceptance of the authorization and reacting swiftly to any problems, amendments, extensions, reporting to senior management where necessary
- Executing and effectively addressing issues surrounding the adequacy, quality and completeness of loan documentation and security
- Liaising with the client to ensure the accurate execution and delivery of documentation prior to disbursement of funds
- Contribute to the documentation and closing of authorized transactions by:
- Vetting security documentation required to close loan transactions and promptly and effectively addressing issues surrounding the adequacy, quality and completeness of loan documentation and security
- Assisting the Deal Team in the detailed evaluation of all information received and for analysis of closing conditions and reporting deficiencies or any findings to senior management
- Understand how the Bank’s risk appetite and risk culture is considered in day-today activities and decisions.
- Actively pursues effective and efficient operations of their respective areas while ensuring the adequacy, adherence to, and effectiveness of day-to-day business controls to meet obligations with respect to operational risk, regulatory compliance risk, AML/ATF risk, and conduct risk. Including but not limited to responsibilities under the Operational Risk Management Framework, Regulatory Compliance Risk Management Framework, AML/ATF Global Handbook, and the Guidelines for Business Conduct.
- Champions a high-performance environment and contributes to an inclusive work environment.
**Education requirements**:
- College or University Degree in Business or other related fields
- 1 - 2 years experience in Real Estate Banking strongly preferred
**Functional competencies**:
- Good credit skills and significant credit experience
- Strong assessment and analysis skills
- Strong accounting and financial analysis skills
- Good deal structuring skills
- Good understanding of customer profitability model
- Ability to build solid business case justification for deals
- Good interpersonal and teamwork skills
- Good communication skills (oral & written)
- Good product knowledge
- Good industry knowledge with areas of specialization where required
- Strong financial modelling and computer skills including Excel
- Work in a standard office-based environment; non-standard hours are a common occurrence.
- Limited travel locally may be required.
**You must have REB underwriting experience. This is not a business development role.
Please note this is a 6 month contract/assignment.
Location(s): Canada : Ontario : Ottawa
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
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