Senior Credit Solutions Manager, Commercial Banking
1 week ago
Job Summary
We are seeking a highly skilled and experienced Strategic Credit Solutions Leader to join our Business Banking team at Scotiabank. As a key member of our team, you will be responsible for providing financial solutions to clients through various tasks such as risk analysis, deal structuring, credit pricing, negotiation, and presentation.
Key Responsibilities
- Contribute to the overall success of Business Banking by ensuring specific individual goals, plans, and initiatives are executed and delivered in support of the team's business strategies and objectives.
- Provide financial solutions for clients through various tasks such as risk analysis, deal structuring, credit pricing, negotiation, and presentation.
- Interface directly with clients, in partnership with the Senior Client Relationship Manager.
- Liaise with Global Risk Management through the credit decision-making process.
- Manage a customer portfolio of moderate to higher complexity.
- Ensure compliance with various credit metrics and monitor the portfolio to identify any negative trends.
- Work closely with the Senior Client Relationship Manager, Credit Analysts, and Service Specialists.
Accountabilities
- Champion a customer-focused culture to deepen client relationships and leverage broader Bank relationships, systems, and knowledge.
- Contribute to the profitable development of Business Banking by ensuring the timely analysis, structuring, and presentation of credit proposals.
- Provide prompt and sound recommendations in the analysis and presentation of credit proposals.
- Ensure effective communication with the Senior Client Relationship Manager to clearly convey the rationale for decisions.
- Recommend pricing for loans and credit-related fees yielding a return commensurate with risk and due regard to profit, administration, and competitive considerations.
- Recommend 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 and counsel to the Senior Client Relationship Manager to better serve clients' needs.
Requirements
- University degree in business or economics or other Business Specialty background.
- Commitment to participate in other training requirements as determined by the Bank from time to time.
- Previous work experience of at least 2-5 years is preferred.
- In-depth 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 that could affect the viability of a credit.
- Solid knowledge and understanding of financial statements and accounting principles and policies.
- Excellent risk assessment and credit skills and ability to structure deals.
- Strong understanding of loan documentation.
- Strong knowledge of Canada's financial services marketplace and of the assigned market area's key industries, major customers, and competitive positioning within the assigned market areas.
- Solid understanding of the Business Banking objectives, strategies, and structures.
- Good sales management, coaching, relationship building, and leadership skills are essential, along with the ability to influence and motivate others.
- Strong interpersonal skills are essential for business development/customer relationship building and to facilitate a positive and effective team environment.
- Must be able to effectively articulate their views to all levels both within the Bank and externally in the marketplace.
- Strong personal computer skills and familiarity with word processing, spreadsheet software, and planning tools are necessary.
- Strong knowledge of commercial Banking products and services, including systems, routines, and operating procedures.
- Thorough knowledge of Bank's business lending and deposit products and services, and customer profitability model.
- Thorough knowledge of competitor offerings and alternative sources of financing.
- Good knowledge of products and services provided by the Bank's specialized sales forces and other delivery channels.
- Thorough knowledge of all commercial management platforms.
- Working knowledge of services provided by support areas such as Shared Services Business Support.
Working Conditions
- Work in a standard office-based environment; non-standard hours are a common occurrence. No travel.
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Calgary, Alberta, Canada Scotiabank Full timeAbout This RoleWe are seeking a highly skilled and experienced Strategic Credit Solutions Leader to join our Business Banking team at Scotiabank. As a key member of our team, you will be responsible for providing financial solutions to clients through various tasks such as risk analysis, deal structuring, credit pricing, negotiation, and presentation.Key...
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