Senior Credit Solutions Director, Commercial Banking Expert

12 hours ago

MontréalEst, Quebec, Canada Scotiabank Full time

Scotiabank is seeking an experienced Senior Credit Solutions Manager to join our team in a key role that contributes to the overall success of Canadian Business Banking.

Estimated salary range for this position is $120,000 - $180,000 per year.

Job Description

Company Overview

At Scotiabank, we are committed to building a better future for our customers and communities. As a Senior Credit Solutions Manager, you will play a vital role in achieving this goal by providing financial solutions for clients through various tasks such as risk analysis, deal structuring, credit pricing, negotiation, and presentation.

Key Responsibilities

  • Contribute to the profitable development of Canadian Business Banking by ensuring timely analysis, structuring, and presentation of credit proposals;
  • Provide prompt and sound recommendations in the analysis and presentation of credit proposals;
  • Ensure effective communication with the SCRM to clearly convey the rationale for decisions, so that they may respond effectively to clients;
  • 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 SCRM, so that they may better serve clients' needs;
  • Ensures 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 SCRM to ensure any required changes and follow-up for the accurate execution and delivery of same prior to disbursement of funds;
  • Directing and assisting Credit Analysts (CA)/ Service Specialists (SS) in the detailed evaluation of all information received, reporting deficiencies or any negative findings to senior management;
  • Adhering to any regulatory and internal Bank policies and requirements;
  • Advising senior management of any credit weakness developing within individual accounts, by ongoing awareness and analysis of relevant financial, legal, political, technological, and industry information;
  • Providing coaching/counselling/Oversight to Credit Analysts by developing the credit competencies of the CA's in relation to assigned accounts;
  • Championing and supporting a culture of diversity and other initiatives aligned with the Bank Strategy;
  • Understanding how the Bank's risk appetite and risk culture should be considered in day-to-day activities and decisions;
  • Actively pursuing effective and efficient operations of his/her respective areas, while ensuring the adequacy, adherence to, and effectiveness of day-to-day business controls to meet obligations with respect to operational risk, regulatory compliance risk, AML/ATF risk, and conduct risk;
  • Championing a high-performance environment and contributing to an inclusive work environment.

Required Skills and Qualifications

The ideal candidate will have:

  • A university degree in business or economics or other Business Specialty background;
  • Commitment to participate in other training requirements as determined by the Bank from time to time;
  • 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;
  • A 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;
  • Ability to influence and motivate others;
  • Strong interpersonal skills 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;
  • 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 such as Global Banking & Markets, Global Transaction Banking, Global Wealth Management, Retail & Small Business Banking, etc.;
  • Thorough knowledge of all commercial management platforms;
  • Working knowledge of services provided by support areas such as Shared Services Business Support.

Working Conditions

This role is based in a standard office-based environment; non-standard hours are a common occurrence. No travel is required.

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