Mortgage Solutions Specialist

3 days ago


Calgary, Alberta, Canada Scotiabank Full time
Job Title: Associate, Commercial Mortgage Group

Scotiabank is seeking a highly skilled and experienced professional to join our Commercial Mortgage Group as an Associate. In this role, you will be responsible for contributing to the profitable growth and quality of the Bank's mortgage portfolio for loans originating from Real Estate Banking and/or Commercial Distribution across Canada.

Key Responsibilities:
  • Perform financial solutions-related activities for clients, including risk analysis, deal structuring, pricing, negotiation, and presentation on highly complex deals.
  • 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 accurate communication of the terms and conditions of an authorization and the effective and timely implementation of same.
  • Ensure ongoing quality of the assigned credit portfolio through control and administration of specific conditions and reporting requirements.
Requirements:
  • In-depth knowledge of the Bank's lending policies, practices, and procedures.
  • A solid knowledge and understanding of financial statements and accounting principles and policies.
  • Good understanding of the syndications and mortgage markets, MBS market, secured and unsecured lending options, mortgage bonds, etc.
  • 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.
Working Conditions:

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



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