Commercial Automotive Portfolio Analyst

5 days ago

Hamilton, Ontario, Canada Scotiabank Full time

About Scotiabank


Scotiabank is a leading financial institution committed to making a difference in our communities. We offer a collaborative team environment and innovative thinking that empowers our employees to grow and develop their careers.



About the Role


We are seeking an experienced Commercial Automotive Portfolio Analyst to join our team. As a key member of our Credit Analysis & Support Team, you will contribute to the profitable growth and quality of our Commercial Automotive portfolio by performing credit administration tasks to the highest standard of quality for your assigned portfolio.



Responsibilities



  • Maintain a complete monitoring system to ensure timely completion of interim reporting items.
  • Update Task Manager and Scotia Dealer Link with necessary information to ensure accuracy of customer reporting requirements.
  • Complete the spreading of interim financial statements in Moody's Analytics CreditLens in an accurate and timely manner as per authorized frequency requirements.
  • Perform trend analysis to monitor the health of client accounts and help determine client risk ratings.
  • Identify and action customer reporting items that are overdue, and follow up with customers for overdue items between 0 and 60 days overdue.
  • Support the offside conditions/material deterioration process by escalating offside conditions, covenants, and material deterioration, and updating Task Manager to identify offside reporting conditions and removing flags when authorized.
  • Analyze client files in Task Manager to determine annual review and rating refresh, and report items that are due.
  • Prepare and complete spreads of annual financial statements, and projections in CreditLens.
  • Ensure client files are complete and up-to-date in Scotia Dealer Link and Task Manager, and that all relevant correspondence and authorizations related to the Annual Review process are properly stored in the Automotive Shared Document Repository (ASDR).
  • Ensure fees, pricing, IG, and authorized limited changes are correctly processed/resolved as required.
  • Systems (Task Manager and Scotia Dealer Link) updated as required to reflect the information outlined in the Credit Authorization.
  • Support the completion of conditions precedent and ensure all required steps are completed prior to advancement/renewal of credits.
  • Liaise with syndicate banks in gathering due diligence and information required to complete analysis and answer questions (if Scotiabank is agent).
  • Provide other administrative support as required for credit/fulfillment activities.


Requirements



  • Basic credit skills (familiarity with writing up deals, spreading financial statements, assessing risk, financial modeling, and drawing conclusions).
  • Intermediate accounting and financial statement analysis.
  • Solid problem-solving skills and solutions-oriented.
  • Well-organized and ability to multi-task.
  • Interpersonal skills to effectively interface with peers and customers.
  • Good knowledge of all commercial lending products.
  • Bilingual (English & French) language skills considered an asset.
  • Ability to use personal computer programs; Word, Excel, and Outlook, and relevant specialized software (examples: SDL, Task Manager, CreditLens, etc.).


What We Offer


We offer a competitive compensation package, including a salary range of $65,000 - $90,000 per year, depending on experience. Our benefits include opportunities for professional development, a comprehensive health and wellness program, and a recognition and reward program for high performers.



About Us


At Scotiabank, we are committed to creating a diverse and inclusive work environment where everyone feels valued and respected. If you are passionate about making a difference in our communities, we encourage you to apply for this exciting opportunity.

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