Associate Director, Commercial Mortgage Group, Real
3 months ago
Requisition ID: 195349
Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture.
The Associate Director, will be part of a national mandate that contributes to the profitable growth and quality of the Bank’s mortgage portfolio for loans originating from Real Estate Banking and/or Commercial Distribution across Canada by performing financial solutions-related activities for clients including risk analysis, deal structuring, pricing, negotiation and presentation on highly complex deals, across the real estate segment in a defined market area, in Canada, ensuring business strategies, plans and initiatives are supported in compliance with governing regulations, internal policies and procedures.
This role is well suited to an individual with underwriting experience, who has a background in real estate credit or banking and/or experience in Commercial Distribution. We are looking for an experienced banker with people management skills who is looking to take the next step in their career. Results focused and delivering exceptional client service is key for the success of this role and this mandate.
**Is This Role Right For You?**
Champions a customer focused culture throughout their team to deepen client relationships and leverage broader Bank relationships, systems and knowledge.
Contributes to the profitable development of the Commercial Credit business for mortgage loans on a national basis by:
- Ensuring the timely analysis, structure and presentation of credit / financial solutions/proposals within the defined market area;
- Providing prompt and sound recommendations in the analysis and adjudication of credit proposals.
Ensures the accurate communication of the terms and conditions of an authorization and the effective and timely implementation of same by:
- Writing or reviewing all written authorizations to ensure accuracy, completeness and clarity;
- Training other team members on best credit underwriting practices, deal structuring and effective communication to ensure smooth deal close.
Ensure the ongoing quality of the assigned credit portfolio through control and administration of the specific conditions and reporting requirements, as specified in individual authorizations are adhered to.
Provide coaching/counselling to Senior Client Solutions Analysts and Relationship Managers as applicable.
Input into and directing day-to-day activities in a manner consistent with the Bank’s risk culture and the relevant risk appetite statement and limits. Communicates the Bank’s risk culture and risk appetite statement throughout their teams.
Creates an environment in which his/her team pursues effective and efficient operations of his/her 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.
Helps build and contributes to a high-performance environment and contributes to a people strategy that attracts, retains, develops and motivates their team by fostering an inclusive work environment; part of the team that communicates vison/values/business strategy and helps manage succession and development planning for the team.
**Do you have the skills that will enable you to succeed in this role? - We'd love to work with you if you have**:
- An undergraduate degree in business or economics (or work equivalency) is a requirement as well as other training as determined by the Bank from time to time.
- 3+ years of experience in a credit underwriting specialization (banking or other financial institutions or Insurance companies) preferably real estate mortgage underwriting or initiation.
- Excellent real estate industry knowledge with areas of specialization where required.
- A solid knowledge and understanding of financial statements and accounting principles and policies is a must as well as excellent credit skills and significant credit experience.
- Good understanding of the syndications and mortgage markets, MBS market, secured and unsecured lending options, mortgage bonds, etc.
- Must be a highly organized, analytical and logical person.
- Coaching experience, negotiation skills, interpersonal and teamwork skills.
- Ability to travel frequently and primarily domestically.
- "CMHC" experience is an asset but not required.
- Strong written and verbal skills with proven ability to engage stakeholders and clients.
Location(s): Canada : Ontario : Toronto || Canada : Quebec : Montreal
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 a
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