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Associate, Commercial Mortgage Group

2 months ago

Calgary, Alberta, Canada Scotiabank Full time

About This Role

At Scotiabank, we're committed to delivering exceptional financial solutions to our clients. As a Commercial Mortgage Associate, you'll play a key role in helping us achieve this goal.

Key Responsibilities

  • Contribute to the profitable growth and quality of Scotiabank's mortgage portfolio by performing financial solutions-related activities for clients, including risk analysis, deal structuring, pricing, negotiation, and presentation on complex deals.
  • Champion a customer-focused culture throughout your team to deepen client relationships and leverage broader Bank relationships, systems, and knowledge.
  • Contribute to the profitable development of the Commercial Credit business for mortgage loans on a national basis by ensuring 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 that writings to Banking and other stakeholders clearly convey the rationale for decisions, so that they may respond effectively to clients.
  • Provide input and 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.
  • Input into restructuring marginal proposals into bankable deals where possible.
  • Where appropriate, provide guidance, coaching, and counsel to Banking and other stakeholders, so that they may better serve clients' needs.
  • Ensure 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.
  • Ensure prompt follow-up for acceptance of the authorization and react swiftly to any problems, amendments, extensions, reporting to senior management where necessary.
  • Promptly and effectively escalate and/or address issues surrounding the adequacy, quality, and completeness of loan documentation and security.
  • Liaise to ensure any required changes to Banking and follow-up for the accurate execution and delivery of same prior to disbursement of funds.
  • 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.
  • Part of the team that directs and assists the Senior Client Solutions Analysts in the detailed evaluation of all information received, reporting deficiencies or any negative findings to senior management.
  • Escalate and advise senior management of any credit weaknesses developing within individual accounts, by ongoing awareness and analysis of relevant financial, legal, political, technological, and real estate industry information.
  • Adhere to any regulatory and internal Bank policies and requirements.
  • Provide coaching/counselling to Senior Client Solutions Analysts as applicable by inputting into developing the credit competencies of Senior Client Solutions Analysts in relation to assigned accounts.
  • Provide timely performance feedback on credit analysis presented for review.
  • 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.
  • Communicate the Bank's risk culture and risk appetite statement throughout their teams.
  • Create an environment in which their team 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.
  • Help build and contribute to a high-performance environment and contribute to a people strategy that attracts, retains, develops, and motivates their team by fostering an inclusive work environment.

Reporting Relationships

Director – Commercial Mortgage Group, Real Estate Banking or Associate Director – Commercial Mortgage Group, REB

Direct Reports

Sr. Client Solutions Analyst and/or Associates as applicable.

Dimensions

  • Completes and reviews credits for complex and/or highly customized borrowing relationships, with credit authorizations of up to $100MM+.
  • Works with various partners across the Bank, including Corporate Banking, GRM, and Shared Services.

Education/Experience/Other Information

  • In-depth knowledge of Scotiabank's lending policies, practices, and procedures, as well as an awareness of business trends, economic, technological, social, legal, and political conditions and factors which could affect the viability of a credit in the real estate industry.
  • A solid knowledge and understanding of financial statements and accounting principles and policies is a must.
  • Good understanding of the syndications and mortgage markets, MBS market, secured and unsecured lending options, mortgage bonds, etc.
  • Because of large volumes and tight time frames, must possess effective communication skills, both written and oral.
  • In the administration of credit, complex loan documentation and security provision requirements must be understood and applied.
  • Must be a highly organized, analytical, and logical person.
  • Excellent credit skills and significant credit experience.
  • Excellent risk assessment and analysis skills.
  • Excellent accounting and financial analysis skills.
  • Excellent deal structuring skills.
  • Excellent coaching skills.
  • Good understanding of customer profitability model.
  • Ability to build solid business case justification for deals.
  • Superior negotiation skills.
  • Superior interpersonal and teamwork skills.
  • Good communication skills (oral & written).
  • Superior sales/closing capabilities.
  • Superior product knowledge.
  • Excellent real estate industry knowledge with areas of specialization where required.
  • An undergraduate degree in business or economics (or work equivalency) is a requirement. Other training requirements as determined by the Bank from time to time.

Working Conditions

Work in a standard office-based environment; non-standard hours are a common occurrence. Frequent travel primarily domestically.