Title:  Associate, Commercial Real Estate Banking - North York, ON

Requisition ID: 272557 

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

Join a winning team at Scotiabank! Are you enthusiastic about making an impact for Canadian businesses? In Canadian Commercial Banking, we do not just serve businesses - we serve possibilities.

About the Opportunity

As an Associate, Commercial Real Estate Banking, you will work closely with the Director and Group Lead to deliver customized financing solutions, manage client relationships, and contribute to the continued growth and profitability of the portfolio. On the high-performing Commercial Real Estate Banking team where you'll play a key role in supporting the growth and success of a diverse portfolio of real estate clients.

This is an exciting opportunity for a commercially minded professional with strong credit and relationship management experience who is passionate about helping clients achieve their business objectives.

How You Will Make an Impact:

In this role, you will:

• Support the growth and profitability of the Commercial Real Estate Banking portfolio by contributing to new business development, revenue growth, deposit growth, and client acquisition initiatives.
• Manage and support a portfolio of borrowing and non-borrowing client relationships while delivering exceptional customer service.
• Prepare credit applications, annual reviews, and client communications for income-producing properties, commercial real estate transactions, and construction financing opportunities.
• Conduct thorough due diligence and financial analysis to identify key risks and support sound credit decisions.
• Maintain strong credit quality through regular monitoring of portfolio performance, covenant compliance, annual reviews, maturity dates, and lending conditions.
• Develop customized financing solutions that address clients' unique business needs.
• Support business development activities through client meetings, site visits, sales calls, and market research.
• Identify opportunities to deepen client relationships through cross-selling and referrals across multiple business lines.
• Build and maintain strong relationships with clients, industry professionals, and community stakeholders.
• Contribute to a collaborative, inclusive, and high-performance team culture.

What You Will Bring to the Team:

• Strong commercial lending and relationship management expertise.
• Excellent analytical and financial assessment capabilities.
• Exceptional communication and interpersonal skills with the ability to build trusted relationships internally and externally.
• Strong organizational skills with the ability to manage multiple priorities and deadlines.
• Sound judgment and decision-making skills with a focus on risk management and credit quality.
• A proactive and client-focused approach to problem-solving and business development.

     Must-Have

• Previous commercial credit underwriting or real estate lending experience.
• Experience analyzing and assessing commercial real estate transactions.
• Strong understanding of credit risk assessment and financial statement analysis.
• Proven ability to prepare high-quality credit presentations and recommendations.
• Excellent written and verbal communication skills.
• Valid driver's license and willingness to travel to client sites and properties as required.

     Nice-to-Have

• Experience with multi-unit residential, commercial real estate, and construction financing.
• Existing knowledge of the local real estate market and industry trends.
• Established network within the commercial real estate community.
• Experience working within a financial institution's commercial banking environment.

What's in It for You?

When you join the bank, you are not just taking a job, you’re becoming part of a culture that values inclusion, accountability, integrity, and client-centricity – that is our ScotiaBond which is the foundation for how we support our people and deliver for our clients.

As an employee in Canadian Commercial Banking at Scotiabank, you can expect:

• A competitive Total Rewards package including performance-based bonuses, flexible benefits, and market-leading compensation.
• Ongoing career development and coaching from experienced leaders, with clear opportunities to grow within Commercial Banking and across Scotiabank.
• The chance to own and grow a high-impact client portfolio, with real accountability and visibility in your market.
• A dynamic, collaborative, and high-performing team that values partnership, inclusion, and shared success.
• Exposure to a broad range of industries, clients, and complex financial solutions, accelerating your learning and expertise.

Ready to Apply?

If you are ready to take your commercial banking career to the next level and make an impact, start the next chapter of your career story with us and apply today and help shape the future of Canadian business.

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.

Location(s):  Canada : Ontario : Toronto 

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.