Senior Credit Solutions Lead

4 days ago

Waterloo, Ontario, Canada Scotiabank Full time
Job Summary
Credit Solutions Manager, Canadian Commercial Banking - Job Description

This role is responsible for contributing to the profitable growth and quality of Scotiabank's Corporate & Commercial Credit portfolio by performing financial solutions-related activities for clients.

The Senior Credit Solutions Manager will be responsible for all deal structuring, negotiation and final decisions on pricing within their defined portfolio. They will interface directly with clients at times, in partnership with the Senior Client Relationship Manager.

The successful candidate will liaise with Credit / Global Risk Management through the credit decision-making process and ensure all activities are conducted in compliance with governing regulations, internal policies and procedures.

Main Responsibilities:
- Champions a customer-focused culture to deepen client relationships and leverage broader Bank relationships, systems and knowledge.
- Contributes to the profitable development of Commercial Credit business by ensuring timely analysis, structure and presentation of credit / financial solutions proposals within prescribed segment;
- Provides prompt and sound recommendations in the analysis and adjudication of credit proposals;
- Approving or recommending pricing for loans and credit-related fees which yield a return commensurate with risk and due regard to profit, administration and competitive considerations;
- Recommending alternative 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, coaching and counsel to Client Relationship Manager(s), so that they may better serve clients' needs.

Additional Requirements:
- Ensure accurate communication of terms and conditions of an authorization and supervise effective implementation of same;
- Liaising to ensure any required changes to Senior Client Relationship Manager(s) and follow-up for accurate execution and delivery of same prior to disbursement of funds;
- Maintain adherence to the Bank's Anti-Money Laundering program and Guidelines for Business Conduct, reporting unusual occurrences or fraudulent activities as per established procedures.

Requirements:
- 3 years of Commercial Banking experience ideally;
- Undergraduate degree in business or economics or finance or work equivalency;
- Strong knowledge of the corporate & commercial banking marketplace;
- Detailed knowledge of assigned market area's key prospects, major companies and competitive positioning within assigned market area;
- Very strong understanding of the Corporate & Commercial Bank's objectives, strategies, structure, as well as its lending and deposit products and services;
- Strong PC skills are necessary, including working knowledge of MS Word, Excel, Power Point and all commercial systems and platforms;
- Other training requirements as determined by the Bank from time to time;
- Strong credit skills and credit experience;
- Strong risk assessment and analysis skills;
- Good coaching, interpersonal and teamwork skills;
- Good understanding of customer profitability model;
- Ability to build solid business case justification for deals;
- Strong negotiation skills, and sales/closing capabilities;

Work Environment:
This role will work in a standard office-based environment; non-standard hours are a common occurrence. Limited travel domestically.

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