Title:  Senior Client Service Associate, Agriculture National Accounts - Canadian Commercial Banking

Requisition ID: 242801

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

Senior Credit Solutions Associate, Agriculture Banking, Canadian Commercial Banking

Purpose

Provides Senior Credit Solutions Manager (SCSM) credit support as it relates to the credit adjudication process within Agriculture Banking . Provides a high standard of support to the team and contributes to the profitable growth and quality of the distribution portfolio in which they will be supporting.

The Senior Credit Solutions Associate will work with SCSM with the preparation, analysis, and monitoring of credit applications and portfolios. The ideal candidate will have a strong understanding of credit principles, excellent analytical skills, and the ability to work collaboratively in a fast-paced environment. The role is specific to supporting more complex Core clients and is intended to provide deal exposure and development for a SCSM role.

Contributes to the overall success of Agriculture Banking team and their respective in Department/Region ensuring specific individual goals, plans, initiatives are executed / delivered in support of the team’s business strategies and objectives. Ensures all activities conducted are in compliance with governing regulations, internal policies and procedures.

Accountabilities:

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

Credit Analysis and Evaluations:

• Perform credit tasks for core clients supporting Senior Credit Solutions Managers (SCSM) such as:

• Prepare Financial Statement spreading, credit summaries, Projections and Borrowing bases, review results, escalate any signs of deterioration and update appropriate systems.
• Understand the financial health, creditworthiness, and risk profile of potential borrowers.
• Support the SCSM with detailed credit reports and recommendations for credit approval or denial.
• Analyze financial statements, credit reports, and other relevant documentation to identify potential risks and opportunities.
• Ensure client files are complete and appropriately documented in various systems (e.g., SDR, etracker, etc.)
• Verify all all-relevant data is maintained, current and accessible for ongoing credit assessments.

• Working on larger and complex deals with SCSM:

• Responsible for preparation of Credit Presentations and packages
• While not on direct coverage team for portfolio, will work closely with SCSM to engage client on an as needed basis
• General support as necessary with other credit- related situations needed to maintain credit quality.
• Work closely with both Sr. Relationship Managers and SCSM to understand client needs and develop tailored credit solutions.
• Participate in deal forums to socialize deals with GRM where appropriate.

Continuous Improvement: 

• 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 their respective areas in accordance with Scotiabank’s Values, its Code of Conduct and the Global Sales Principles, while ensuring the adequacy, adherence to and effectiveness of day-to-day business controls to meet obligations with respect to operational, compliance, AML/ATF/sanctions and conduct risk.

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

Reporting Relationships

Primary Manager:  Director, Credit
Direct Reports:  None

Dimensions:

• Supporting Senior Credit Solutions Managers (SCSM) in the region, on the most complex Core clients.
• The clients being serviced are in Canada and generally within the same region although they could have operations across the country as well as in international locations. These clients will be both borrowing (+$5MM with some clients up to $25MM) and non-borrowing. Credits of the higher complexity and/or highly customized borrowing Core relationships, with credit authorizations typically +$10MM.
• Strong analytical and organizational skills are necessary to manage significant data from multiple sources and balance various tasks from client service administration to borrower reporting processing to credit related support.
• Typically receive requests from the Senior Credit Solutions Manager (SCSM) but may also at times be requested to support Team Lead, Credit or Director, Credit.
• Will interact with SCSM on credit-related activities and support other partners such as: Business Service Center, Enhanced Due Diligence Unit, CRA and Global Banking and Markets and could have some interaction with Global Risk Management and other partners as well as the Commercial Banking Executive Office.
• Interact with external parties such as Solicitors, Accountants, Professional Service Providers
• The environment is fast-paced and demanding and will at times require priorities to be readjusted to accommodate urgent requests. The incumbent will work on supporting SCSM with moderately complex credit deals and will interact with external and internal partners and clients and will need to gather information and respond to internal inquiries. Providing credit support for the SCSM team in the region.
• Ability to resolve issues and problems, but also to recognize the need to escalate when needed.
• Ability to deal with time sensitive requests, competing priorities and fluctuating call, email volumes. Workloads are subject to time pressures due to environmental sensitivities and changes in priorities. Maintain the confidentiality of information within an open-concept office environment.

Education / Experience / Other Information

Education

• Bachelor’s degree in finance, economics, business administration, or a related field or equivalent work experience.

Skills/Work Experience:

• 1-3 years of experience in the Agriculture sector preferred and /or exposure and knowledge of the Agriculture market.
• Previous experience in credit underwriting or credit document preparation.
• Strong Knowledge of Financial Statements and credit analysis, preliminary assessment of risk, and drawing conclusions.
• Strong Knowledge of credit structures and applicable risk management
• Knowledge of the Bank’s lending policies, practices and procedures is an asset.
• Knowledge of the Commercial industry considered an asset.
• Knowledge or experience with Credit Lens considered an asset
• Good knowledge of fulfilment processes and roles of partners
• Strong commitment to excellent client service and ability to work with clients to resolve issues in an amicable and prompt manner.
• Detail-oriented and highly organized, with the ability to manage multiple tasks and priorities effectively
• Extremely well organized and ability to multi-task
• Strong organizational skills to monitor portfolio requirements, collect and assimilate large volumes of information.
• Analytical thinking and problem solving
• Advanced attention to detail required.
• Good communication skills (oral and written)
• Good Microsoft Office & credit system related skills
• Interpersonal skills to effectively interface with clients.
• Good knowledge of the Bank’s commercial products and services
• Team focused and positive attitude with a willingness to learn.

Working Conditions:

•    Work in a standard office-based environment; non-standard hours are a common occurrence due to seasonality of the business volumes. Periodic travel within market may be required 

Location(s):  Canada : Ontario : Stratford || Canada : Alberta : Calgary || Canada : British Columbia : Vancouver || Canada : Manitoba : Winnipeg || Canada : Nova Scotia : Halifax || Canada : Ontario : Toronto || Canada : Saskatchewan : Saskatoon 

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.