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Title:  Senior Manager, Roynat Risk Management - Calgary/Montreal/Toronto (including Oakville)

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Requisition ID: 120735

Roynat Capital, a wholly owned subsidiary of Scotiabank, is a national lender and investor with expertise in providing innovative long-term capital solutions for mid-sized companies utilizing senior term, subordinated debt, as well as mezzanine capital and common share equity. We provide tailored solutions to clients for acquisitions, business expansions, wealth monetization, and working capital enhancement. With a national presence in Canada in major markets, Roynat assists growth-oriented companies in reaching their goals across a wide range of industries.

 

As the Senior Manager, Credit Risk Management, you will work closely with the Director, Risk Management. There will be a significant level involvement with both Roynat’s core and non-core lending and investing activities.

 

You will be responsible for contributing to the profitable growth and quality of the credit portfolio as assigned. You will have the responsibility to adjudicate credits within the Credit Authority Levels established for company policy and recommend credits in excess of your limits. You will also provide strong direction to the District Offices in terms of management of risk through regular monitoring and reporting, and are expected to provide or recommend corrective action on problem accounts, as appropriate.

 

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

 

1. Contribute to the profitable growth and quality of Roynat’s portfolio by:

  • ensuring loan losses and portfolio profile are managed within prescribed limits;
  • authorizing/declining applications for credit proposals within established criteria including: Term credits, Subordinated Debt Credits and Recommendation of equity investments as required
  • providing guidance and counsel to District offices on quality of submission, analysis, presentation;
  • recommending credits/investments in excess of limits to Senior Credit Committee;
  • providing strong direction to District Offices in terms of management of risk and maximization of equity gains through regular reporting and monitoring;
  • providing/recommending action on problem accounts.

 

2. Provide high quality support on credit proposals by:

  • analyzing and providing recommendations on applications that meet criteria;
  • assisting field staff in structuring proposals to meet client’s and Roynat’s objectives;
  • closely monitoring Roynat’s portfolio;
  • proactively bringing forward recommendations for problem accounts;
  • recommending sound strategies to maximize exit values. 

 

3. Develop and maintain sound credit management practices by:

  • ensuring thorough investigations and accurate analysis of proposals are completed;
  • ensuring the preparation of comprehensive credit presentations;
  • ensuring all accounts are being monitored for conformity to guidelines, terms and conditions, and arrears and problems are effectively controlled;
  • ensuring knowledge of mezzanine/equity is consistently updated and increased to provide greater support to the District Offices;
  • completing courses and attending seminars to ensure general knowledge of equity markets, industry trends, etc is maintained and up-to-date.
  • participating and/or providing ‘in-house’ coaching on credit administration and credit presentations and providing direction to staff 

 

Do you have the skills that will enable you to succeed in this role? - We'd love to work with you if you have:

 

  • Bilingual proficiency in both English and French (asset)
  • An undergraduate university degree in commerce, business administration, finance, or accounting, together with a minimum of five years of related business financing, corporate finance, merchant banking, or direct business experience.
  • Excellent initial assessment, credit and administrative skills are a must.
  • A high degree of technical expertise and ability to analyze proposals and make sound decisions in managing a portfolio of loans and investments.
  • Extensive knowledge of complex deal structures, financing products and services
  • Experience in risk assessment and financial analysis
  • Awareness of differing regional tax, legal structures
  • Computer literacy especially in the use of monitoring systems to assist in the administration of loan and investment portfolio.
  • Demonstrated skills in problem solving, structuring and pricing credits, and managing and collecting problem accounts.


What’s in it for you?

 

  • The opportunity to join a forward-thinking company surrounded by a collaborative team of innovative thinkers.
  • A rewarding career path with diverse opportunities for professional development.
  • Internal development to support your growth and enhance your skills.
  • A competitive compensation and benefits package.
  • An organization committed to making a difference in our communities– for you and our customers.
  • We have an inclusive and collaborative working environment that encourages creativity, curiosity, and celebrates success!
     


This position is open to Calgary, Montreal or Toronto/Oakville locations

 

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Location(s): Calgary || Canada : Alberta : Calgary || Canada : Ontario : Oakville || Canada : Ontario : Toronto || Canada : Quebec : Montreal

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. Candidates selected for an interview will be contacted directly. If you require accommodation during the recruitment and selection process, please let us know. We will work with you to provide as seamless a recruitment experience as possible.


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