Associate, Real Estate Banking

4 weeks ago


Montréal QC HA L, Canada Scotiabank Full time

Requisition ID: 209331

Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture.

**Is this role right for you? In this role, you will**:

- 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.

**Do you have the skills that will enable you to succeed in this role? - We’d love to work with you if you have**:

- College or University Degree in Business or other related fields
- 1 - 2 years experience in Real Estate Banking strongly preferred
- Good credit skills and significant credit experience
- Strong assessment and analysis skill
- Strong accounting and financial analysis skill
- 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.

**What’s in it for you?**
- A competitive compensation and benefits package tailored for the Investment & Personal Banking Specialist, Investment & Retirement Planning role
- Ability to make a lasting impact on an assigned book of customers
- An inclusive culture where we value and recognize our employees’ contributions
- An organization committed to making a difference in our communities - for you and your customers

Location(s): 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 and services, including personal and commercial banking, wealth management and private banking, corporate and investment banking, and capital markets.



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