Description

 

 

 

Requisition ID: 218209

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

 

The Senior Associate is responsible for creating business development opportunities by generating his/her personal goals related to all four quadrants of the Balanced Scorecard: Financial, Customer, Operational and People. Opportunities are generated from existing clients, prospects, COIs, referrals from Scotiabank partners and other key sources. 

The incumbent is also responsible for managing and expanding an assigned portfolio of accounts. He/she monitors account performance; ensures regular contact with clients to deepen relationships, conduct applicable account reviews and implements payout prevention strategies as appropriate.

 

Is this role right for you? In this role, you will:

 

  • Manage and control assigned loan portfolio to ensure it is at an acceptable level of risk and generates an appropriate return:
    • Researching, preparing and verifying comprehensive credit applications that align with documented guidelines as set out in Roynat’s guidelines and policies
    • Exercising sound credit judgment based on thorough due diligence and analysis
    • Monitoring all assigned accounts to ensure conformity to terms and conditions, as stipulated in credit authorizations with timely financial statement reviews
    • Developing a good working relationship with respective Risk Management partner(s) and establishing a communication and feedback process for credit presentations
    • Maintaining a solid client relationship on assigned client base, keeping an awareness of the affairs of clients, ensuring administration of the accounts is timely (reviews) and a comprehensive database of activities is maintained
    • Ensuring requirements and any contingent conditions, such as Know Your Customer (KYC), have been satisfied before facilitating the disbursement process.
  • Contribute to the development and execution of the business plan to achieve target objectives and ensure progress is made towards maximizing the potential business from existing clients and new prospects within an assigned market area:
    • Developing and maintaining a regular sales call program with clients to ensure effective management, retention, and expansion of each relationship with client primacy.
    • Establishing and maintaining solid relationships with mid market industrial and commercial companies (prospects) and key business referral sources (COIs) in the assigned market area
    • Maintaining a current and thorough knowledge of Roynat Capital’s specialized product offerings.
  • Maintaining a comprehensive record of call activities and business development activities on the client relationship management (CRM) system<Understand how the Bank’s risk appetite and risk culture should be considered in day-to-day activities and decisions. 
  • Responsible for completion of timely Annual Reviews, balloon renewals. 
  • Be our clients’ most trusted financial partner to support pricing, and sustainable, profitable growth.

Do you have the skills that will enable you to succeed in this role?
 

  • University degree (undergraduate or graduate level) with a focus on Economics, Commerce, Finance and/or Accounting. 
  • Professional financial designation such as a CPA or CFA (e.g. CA, CMA, CFA) is desirable.
  • 4-5 years of commercial banking experience or equivalent in a credit underwriting and/or financial services sales environment.
  • Fluency in French and English (spoken and written) required due to frequent interactions with English- and French-speaking clients or internal partners
  • Strong networking and relationships building skills with proven ability to work cross-functionally.
  • Strong communication and interpersonal skills through consistent demonstration of approachability, ability to build trust and understanding
  • Strong risk assessment, analysis together with superior portfolio management skills
  • Strong presentation skills and ability to think/respond quickly and adapt to change readily
  • Solid knowledge of the Canadian commercial banking marketplace

 

What we’re offering…
 

  • The opportunity to join a forward-thinking organization surrounded by a collaborative team of innovative thinkers
  • A rewarding career path with diverse opportunities for professional development
  • A competitive compensation and benefits package
  • Internal training to support your career growth and enhance your skills
  • An organization committed to making a difference in our communities – for you and our customers

 

Pursuant to a language needs assessment conducted by Scotiabank, the successful candidate will be required to be able to communicate in English, in addition to French because they will be required to work closely with other groups from head office who operate primarily in English and they will serve and English-speaking clientele.

 

Location(s):  Canada : Quebec : Montreal || Canada : Quebec : Laval || Canada : Quebec : Montreal-est 

Scotiabank is a leading bank in the Americas. Guided by our purpose: “for every future”, we help our customers, their families and their communities achieve success through a broad range of advice, products and services, including personal and commercial banking, wealth management and private banking, corporate and investment banking, and capital markets.  

At Scotiabank, we value the unique skills and experiences each individual brings to the Bank, and are committed to creating and maintaining an inclusive and accessible environment for everyone. If you require accommodation (including, but not limited to, an accessible interview site, alternate format documents, ASL Interpreter, or Assistive Technology) during the recruitment and selection process, please let our Recruitment team know. If you require technical assistance, please click here. Candidates must apply directly online to be considered for this role. We thank all applicants for their interest in a career at Scotiabank; however, only those candidates who are selected for an interview will be contacted.