Senior Credit Solutions Manager, Commercial Banking
2 days ago
Role Summary
The Senior Credit Solutions Manager plays a critical role in driving the success of Canadian Business Banking by providing financial solutions for clients through risk analysis, deal structuring, credit pricing, negotiation, and presentation. This position requires a specialist in credit who can manage a customer portfolio of moderate to higher complexity, ensuring compliance with various credit metrics and monitoring the portfolio to identify any negative trends.
Key Responsibilities- Champion a customer-focused culture to deepen client relationships and leverage broader Bank relationships, systems, and knowledge.
- Contribute to the profitable development of Canadian Business Banking by ensuring timely analysis, structuring, and presentation of credit proposals, providing prompt and sound recommendations, and ensuring effective communication with the Senior Client Relationship Manager.
- Recommending pricing for loans and credit-related fees yielding a return commensurate with risk and due regard to profit, administration, and competitive considerations.
- Recommending terms, conditions, and covenants to provide a viable banking proposal to the client within sound credit lending practices.
- Restructuring marginal proposals into bankable deals where possible.
- Providing guidance and counsel to the Senior Client Relationship Manager to better serve clients' needs.
- Ensuring the accurate communication and effective and timely implementation of the terms and conditions of an authorization by reviewing all authorizations to ensure accuracy, completeness, and clarity.
- Liaising with the Senior Client Relationship Manager to ensure any required changes and follow-up for the accurate execution and delivery of same prior to disbursement of funds.
- Ensuring the ongoing quality of the assigned credit portfolio through control and administration of the specific conditions and reporting requirements, as specified in individual authorizations.
- University degree in business or economics or other Business Specialty.
- 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 which 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 Canadian 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.
Work in a standard office-based environment; non-standard hours are a common occurrence. No travel.
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 because they will be required to work closely with other groups from head office who operate primarily in English and will serve an English and French-speaking clientele frequently.
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Québec, Quebec, Canada EightSix Network Full timeAbout the RoleWe are seeking a highly skilled and experienced Credit Risk Management Specialist to join our Corporate Banking team at EightSix Network. 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...
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Québec, Quebec, Canada EightSix Network Full timeAbout the RoleWe are seeking a highly skilled and experienced Credit Risk Management Specialist to join our Corporate Banking team at EightSix Network. 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...
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Québec, Quebec, Canada EightSix Network Full timeJob DescriptionRole SummaryThe Senior Credit Solutions Manager plays a critical role in driving the success of Canadian Business Banking by providing financial solutions for clients through risk analysis, deal structuring, credit pricing, negotiation, and presentation. This position requires a specialist in credit who can manage a customer portfolio of...
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Québec, Quebec, Canada EightSix Network Full timeJob DescriptionRole SummaryThe Senior Credit Solutions Manager plays a critical role in driving the success of Canadian Business Banking by providing financial solutions for clients through risk analysis, deal structuring, credit pricing, negotiation, and presentation. This position requires a specialist in credit who can manage a customer portfolio of...
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