Commercial Mortgage Specialist
1 week ago
We are seeking a highly skilled Mortgage Associate to join our Commercial Lending team at Scotiabank. As a key member of our team, you will be responsible for providing financial solutions to clients and contributing to the profitable growth of our mortgage portfolio.
Key Responsibilities- Client Solutions
- Provide financial solutions to clients, including risk analysis, deal structuring, pricing, negotiation, and presentation of complex deals.
- Ensure business strategies, plans, and initiatives are supported in compliance with governing regulations, internal policies, and procedures.
- Accountabilities
- Champion a customer-focused culture throughout the 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.
- Ensure 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.
- Authorization and Implementation
- Ensure accurate communication of the terms and conditions of an authorization and the effective and timely implementation of same.
- Write or review 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.
- Portfolio Management
- 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.
- Coaching and Development
- Provide coaching/counselling to Senior Client Solutions Analysts as applicable.
- Input 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.
- Risk Management
- 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.
- Understand how the Bank's risk appetite and risk culture should be considered in day-to-day activities and decisions.
- Team Leadership
- Create an environment in which their team pursues effective and efficient operations of their respective areas in accordance with Scotiabank's Values, its Code of Conduct, and the Global Sales Principles.
- Ensure the adequacy, adherence to, and effectiveness of day-to-day business controls to meet obligations with respect to operational, compliance, AML/ATF/sanctions, and conduct risk.
- Build a high-performance environment and implement a people strategy that attracts, retains, develops, and motivates their team.
- 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 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.
- Effective communication skills, both written and oral.
- 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 coaching skills.
- Good understanding of customer profitability model.
- Ability to build solid business case justification for deals.
- Superior interpersonal and teamwork skills.
- 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.
- Bilingualism (French and English) is required.
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