Senior Credit Solutions Manager, Commercial Banking

5 months ago

Calgary, Canada Scotiabank Full time

Requisition ID: 203966

Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture.

Purpose


Contributes to the overall success of Canadian Business Banking, ensuring specific individual goals, plans,
initiatives are executed / delivered in support of the team’s business strategies and objectives while also ensuring
all activities are conducted in compliance with governing regulations, internal policies and procedures.


The Senior Credit Solutions Manager (Sr.CSM) provides financial solutions for clients through various tasks such
as risk analysis, deal structuring, credit pricing, negotiation and presentation in concert with the Senior Client
Relationship Manager “SCRM”. The incumbent interfaces directly with clients, in partnership with the SCRM.
The Sr. CSM liaises with Global Risk Management through the credit decision-making process.


The incumbent is a specialist in credit and provides financial solutions for clients through various tasks such as
risk analysis, deal structuring, credit pricing, negotiation and presentation. He/She manages a customer portfolio
of moderate to higher complexity.


The incumbent is responsible for ensuring their portfolio meets compliance to various credit metrics as well as
monitoring the portfolio to identify any negative trends. The incumbent works closely with the SCRM, Credit
Analysts and Service Specialists.


Accountabilities:

Champions a customer focused culture to deepen client relationships and leverage broader Bank relationships, systems and knowledge.

Contributes to the profitable development of Canadian Business Banking by:

Ensuring the timely analysis, structuring and presentation of credit proposals; Providing prompt and sound recommendations in the analysis and presentation of credit proposals; Ensuring 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; Ensuring prompt follow-up for acceptance of the authorization and reacting swiftly to any problems, amendments, extensions, reporting to senior management and SCRM where necessary;  Promptly and effectively addressing issues surrounding the adequacy, quality and completeness of loan documentation and security; Liaising with SCRM to ensure any required changes and follow-up for the accurate execution and delivery of same prior to disbursement of funds.

Ensure the ongoing quality of the assigned credit portfolio through control and administration of the specific conditions and reporting requirements, as specified in individual authorizations are adhered to by:

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; Adhere 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.

Provide coaching/counselling/Oversight to Credit Analysts by:

Developing the credit competencies of the CA’s in relation to assigned accounts; Providing timely performance feedback on credit analysis presented.

Champion and support a culture of diversity and other initiatives aligned with the Bank Strategy.

Understand how the Bank’s risk appetite and risk culture should be considered in day-to-day activities and decisions.

Actively pursues 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, including but not limited to responsibilities under the Operational Risk Management Framework, Regulatory Compliance Risk Management Framework, AML/ATF Global Handbook and the Guidelines for Business Conduct.

Champions a high performance environment and contributes to an inclusive work environment.

Education:

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.


Skills/Work Experience :

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 is a must. 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. To complement this, the incumbent must possess tactical planning skills and implementation/ management skills. Good sales management, coaching, relationship building and leadership skills are essential, along with the ability to influence and motivate others. Must set a positive example of change and encourage others to do the same. Strong interpersonal skills are essential 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 are necessary as the incumbent uses a PC for a variety of communication, sales management and general information activities including preparing documents, monitoring results and responding to enquiries. 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

Work in a standard office-based environment; non-standard hours are a common occurrence. No travel.

#IN-CB

  • Commercial Banking Analyst

    3 months ago

    Calgary, Canada Connect First Credit Union Full time

    **About connectFirst Credit Union** **As a credit union, we're different than a bank - and we like it that way.** At connectFirst, we spend our days helping our members achieve their financial aspirations through a community-focused approach to banking that’s true to our co-operative principles. You’re our member, not a number. We’re your neighbours...

  • Business Banking Advisor

    6 months ago

    Calgary, Canada Christian Credit Union Full time

    **Business Banking Advisor - Calgary** Christian Credit Union is a financial services organization that encourages biblical stewardship with service and advice from experts, while offering modern banking technology and a comprehensive range of financial services solutions. We are principled and benefit our members with competitive financial solutions,...

  • Commercial Banking Credit Analyst Internship

    3 months ago

    Calgary, Canada BMO Financial Group Full time

    525 8th Ave SW East Tower Calgary Alberta,T2P 1G1 You are a great communicator, team player, self-motivated, detail-oriented, critical thinker with excellent analytical skills, strong work ethic, relationship building skills and a passion for Commercial Banking. Our Commercial Banking Credit Analyst Internship is an exciting opportunity to learn the...

  • Senior Manager Credit Execution

    6 months ago

    Calgary, Canada NBC Full time

    Area of Interest: Advisory services, Commercial banking ...

  • Senior Commercial Real Estate Portfolio Manager

    2 weeks ago

    Calgary, Alberta, Canada Royal Bank of Canada Full time

    Job SummaryThis is an exceptional opportunity to leverage your expertise in commercial real estate and credit analysis to drive success in the Bank's Real Estate Markets group. As a Senior Commercial Real Estate Portfolio Manager, you will be responsible for supporting the VP, Commercial Real Estate and Directors in analyzing and underwriting new loan...

  • Account Manager

    7 months ago

    Calgary, Canada BANK OF CHINA Full time

    Internal Job Title: Account Manager - Commercial BankingLocation: Calgary Branch, ABReport to: Calgary Branch Manager Position Available: 1Duties and Responsibilities: Actively seek and approach prospective applicants and collect specified information related to loan or credit application Independently review, assess and scrutinize Financial and Borrower...

  • Director, Credit Risk Management

    2 weeks ago

    Calgary, Canada This is an IT support group Full time

    p>The Director, Credit Structures, is a client-facing credit professional who provides innovative and proactive wholesale credit solutions, value-added credit discovery, planning, and advice and prompt service through to completion to Private Banking clients. Jointly with the Private Banker, you will act as the primary credit relationship manager for an...

  • Associate, Commercial Mortgage Group

    4 weeks ago

    Calgary, Canada Scotiabank Full time

    Requisition ID: 209462 Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture. Contributes 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, (both conventional and CMHC insured), by performing...

  • Client Relationship Manager, Commercial Banking

    4 months ago

    Calgary, Canada Scotiabank Full time

    Requisition ID: 203890 Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture. **About the role**: The Client Relationship Manager (CRM) contributes to the overall success of the Commercial Bank in Canada ensuring specific individual goals, plans, initiatives are executed / delivered in support of the team’s...

  • Senior Commercial Banking Specialist

    1 month ago

    Calgary, Alberta, Canada Citi Full time

    Job SummaryThe Senior Commercial Banking Specialist is a strategic professional who closely follows the latest trends in commercial banking and adapts them for application within their job and the business. Excellent communication skills are required in order to negotiate internally, often at a senior level. This role necessitates a degree of responsibility...

  • Manager Agriculture Credit

    6 months ago

    Calgary, Canada TD Bank Full time

    **Manager Agriculture Credit**: - 431235BR **Job Category - Primary** - Commercial Banking **Work Location** - 200 Quarry Park Boulevard Southeast **Employment Type** - Regular **City** - Abbotsford, Calgary, Camrose, Lethbridge, Medicine Hat, Regina, Saskatoon, Winnipeg **Time Type** - Full Time **Province/State** - Alberta, British Columbia,...

  • Client Relationship Manager, Commercial Banking

    2 months ago

    Calgary, Canada Scotiabank Full time

    Requisition ID: 208792 Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture. **About the role**: The Client Relationship Manager (CRM) contributes to the overall success of the Commercial Bank in Canada ensuring specific individual goals, plans, initiatives are executed / delivered in support of the team’s...

  • Business Development Manager, Commercial Banking

    2 weeks ago

    Calgary, Alberta, Canada Scotiabank Full time

    About the Role:">The Business Development Manager (BDM) plays a pivotal role in driving commercial banking success by fostering strong relationships with existing customers and identifying new business opportunities. With expertise in sales planning, marketing strategies, and credit analysis, this professional ensures the profitable growth of the commercial...

  • Associate, Commercial National Accounts

    3 months ago

    Calgary, Canada TD Bank Full time

    **Work Location**: Canada **Hours**: 37.5 **Line of Business**: Credit Management **Pay Details**: **The Commercial National Accounts (C.N.A.) provides dedicated relationship coverage to the larger commercial clients across all industry sectors. This client base is primarily designated by size of credit facilities being larger than $25 million and/or...

  • Commercial Banking Officer

    2 weeks ago

    Calgary, Canada Bank of Montreal Full time

    h3>Private Banking Officer (Contract) Time Type: Full time Job Family Group: Wealth Sales & Service Supports the delivery of an exceptional customer experience to private banking clients. Provides a superior level of courteous, knowledgeable and professional service to all existing and potential clients displaying a comprehensive knowledge of products....

  • Private Banking Advisor

    7 months ago

    Calgary, Canada CIBC Full time

    We’re building a relationship-oriented bank for the modern world. We need talented, passionate professionals who are dedicated to doing what’s right for our clients. At CIBC, we embrace your strengths and your ambitions, so you are empowered at work. Our team members have what they need to make a meaningful impact and are truly valued for who they are...

  • Commercial Credit Advisor, Credit Advisory Group

    2 months ago

    Calgary, Canada Royal Bank of Canada Full time

    **Job Summary** **What is the opportunity?** You will support Relationship Managers (RM) in credit renewal and adjudication of files up to $3 MM Total Single Name Exposure, primarily in the Healthcare Professional and Diversified industries, and including new client acquisitions and increases at renewal, reviewing and establishing Borrower Risk Rating...

  • Director, National Accounts, Commercial Banking

    4 months ago

    Calgary, Canada Scotiabank Full time

    Requisition ID: 204866 Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture. Manages a portfolio of highly complex clients in National Accounts in a defined market area, in Canada, ensuring business strategies, plans and initiatives are supported in compliance with governing regulations, internal policies...

  • Strategic Financial Solutions Leader, Commercial Banking

    3 weeks ago

    Calgary, Alberta, Canada Scotiabank Full time

    About the RoleWe are seeking a seasoned Strategic Financial Solutions Leader to join our team at Scotiabank.About the TeamYou will be part of our Canadian Business Banking division, where you will work closely with our clients and colleagues to provide expert financial solutions.About the JobYour primary responsibilities will include:Providing timely...

  • Associate, Real Estate Banking, Commercial Banking

    1 month ago

    Calgary, Canada Scotiabank Full time

       Requisition ID: 210366Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture.  Contributes to the overall success of the Commercial Real Estate Banking team, ensuring specific individual goals, plans, initiatives are executed / delivered in support of the team’s business strategies and objectives....