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Business Development Manager
2 months ago
We are seeking a highly skilled Business Development Manager to join our team at Scotiabank. As a key member of our Credit Risk team, you will be responsible for exercising sound credit judgement and providing quality underwriting decisions.
Key Responsibilities- Effectively analyze credit submissions, financial disclosures, and pertinent documentation within risk tolerances.
- Apply advanced credit judgement, usage of the applicable five C's of credit, and ensure consistent application of policies and processes are analyzed and documented.
- Adjudicate within established limits and exception authority and present quality recommendations on requests above established limits.
- Analyze credit reviews and apply corrective action where appropriate.
- Ensure all partner interactions are professional, respectful, and value-added.
- Provide recommendations/alternative solutions, and restructuring credit requests, with coaching/direction to partners as required.
- Act with a sense of urgency in response to partner requests to meet customer expectations.
- Deliver against established ACE Service Level Agreement targets.
- Contribute to the growth and quality of the Small Business Credit portfolio.
- Clearly identify risks and exceptions using strong rationale and associated mitigants to support the decision.
- Operate within the Bank's risk appetite and culture in day-to-day activities and decisions.
- Maintain acceptable application review ratings from internal quality assurance and audit.
- A comprehensive knowledge of the Bank's Small Business products/services.
- An expert understanding of the Bank lending policies and procedures, financial analysis, risk assessment techniques, credit structuring, collateral and security documentation and registration.
- Intermediate accounting and financial statement analysis.
- Strong analytical and problem resolution skills.
- Strong team player and skillful in developing harmonious relationships with Unit team members and stakeholders.
- Strong communication skills, written and verbal, in order to produce informative, concise and professional credit replies, presentations, and correspondence.
- Pursuant to a language needs assessment conducted by Scotiabank, the successful candidate will be required to be able to communicate in English in addition to French.
- Strong organizational skills and the ability to prioritize work effectively and efficiently to meet the demands of a high-volume work environment.