Mortgage Associate

2 days ago

Montreal, Quebec, Canada Scotiabank Full time
Job Summary

We are seeking a highly skilled Mortgage Associate to join our Commercial Mortgage Group at Scotiabank. As a key member of our team, you will be responsible for contributing to the profitable growth and quality of our mortgage portfolio.

Key Responsibilities
  • Financial Solutions Provision
    • Provide financial solutions-related activities for clients, including risk analysis, deal structuring, pricing, negotiation, and presentation on complex deals.
    • Ensure business strategies, plans, and initiatives are supported in compliance with governing regulations, internal policies, and procedures.
  • Accountability and Risk Management
    • 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 the 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.
  • Communication and Collaboration
    • Ensure the accurate communication of the terms and conditions of an authorization and the effective and timely implementation of same.
    • Liaise to ensure any required changes to Banking and follow-up for the accurate execution and delivery of same prior to disbursement of funds.
  • Quality Control and Assurance
    • Ensure the ongoing quality of the assigned credit portfolio through control and administration of the specific conditions and reporting requirements.
    • Escalate and advise senior management of any credit weaknesses developing within individual accounts.
  • 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.
  • Operational Excellence
    • 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 the team.
Requirements
  • Education and Experience
    • 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.
  • Skills and Abilities
    • 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.
Language Requirements

Bilingualism (French and English) is required.

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