Relationship manager Offres d'emploi - Waterloo, ON

Requisition ID : 217013

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

Senior Credit Solutions Manager, Canadian Commercial Banking - Waterloo, Ontario

Purpose

The Senior Credit Solutions Manager (Sr. CSM) is responsible for contributing to the profitable growth and quality of the Bank’s Corporate & Commercial Credit portfolio by performing financial solutions-related activities for clients including risk analysis, deal structuring, pricing, negotiation and presentation on complex deals in concert with the Senior Client Relationship Manager.

The Senior Credit Solutions Manager is responsible for all deal structuring, negotiation and final decisions on pricing within his / her defined portfolio.  The incumbent interfaces directly with clients at times, in partnership with the Senior Client Relationship Manager.

The Senior Credit Solutions Manager liaises with Credit / Global Risk Management through the credit decision-making process and ensures all activities are conducted 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.

Contributes to the profitable development of Commercial Credit business by :

• Ensuring the timely analysis, structure and presentation of credit / financial solutions proposals within prescribed segment;
• Providing prompt and sound recommendations in the analysis and adjudication of credit proposals;
• Ensuring that writings to the Senior Client Relationship Manager(s) clearly convey the rationale for decisions, so that they may respond effectively to clients;
• Approving or recommending pricing for loans and credit-related fees which yield a return commensurate with risk and due regard to profit, administration and competitive considerations;
• Recommending alternative 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, coaching and counsel to Client Relationship Manager(s), so that they may better serve clients’ needs.
• Liaising with the Business Service Centre for fulfilment (including documentation, liaison with 3rd parties, security registration) and all service activities;
• Liaising with Client Portfolio Management for compliance monitoring and reporting actions as required;

Ensures the accurate communication of the terms and conditions of an authorization and supervises the effective and timely implementation of same by :

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 :

Safeguards the Bank’s assets and liabilities by :

Executes the Branch Compliance responsibilities as reflected in the Branch Services and Procedures Manual by :

Builds a high performance environment and implements a people strategy that attracts, retains, develops and motivates their team by fostering an inclusive work environment; communicating vison / values / business strategy and managing succession and development planning for the team.

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 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.

Education / Experience / Other Information :

Working Conditions :

Location(s) :  Canada : Ontario : Waterloo

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.