Requisition ID: 265927 Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture.  The Senior Credit Solutions Manager (Sr. CSM) is responsible for contributing to the profitable growth and quality of the Bank’s Corporate and 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.   Is this role right for you? In this role, you will:  

Ensure timely analysis, structure and presentation of credit / financial solutions proposals within prescribed segments. You will 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. Recommend alternative terms, conditions and covenants to provide a viable banking proposal to the client within sound credit lending practices. Responsible for 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 Client Portfolio Management for compliance monitoring and reporting actions as required.Be responsible for ensuring 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. Have a high level of customer service, prompt and timely responses to credit applications are required. 

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

Have experience in ensuring accurate communication of the terms and conditions of an authorization and have supervised the effective and timely implementation. Proven writing or reviewing all written authorizations to ensure accuracy, completeness and clarity. Experience in promptly and effectively addressing issues surrounding the adequacy, quality and completeness of loan documentation and security. You understand how the Bank’s risk appetite and risk culture should be considered in day-to-day activities and decisions. Have a minimum three years of Commercial Banking experience. Strong knowledge of the corporate and commercial banking marketplace. Detailed knowledge of the assigned market area’s key prospects, major companies and competitive positioning within the assigned market area. Have a very strong understanding of the Corporate and Commercial Bank’s objectives, strategies, structure, as well as its lending and deposit products and services. Strong PC skills are necessary, including a working knowledge of MS Word, Excel, Power Point and all commercial systems and platforms. Crucial to have strong credit skills and credit experience. Proven risk assessment and analysis skills as well deal structuring skills. You have a good understanding of customer profitability model. Proven experience in building a solid business case justification for deals. Strong negotiation skills, and sales/closing capabilities.

  What's in it for you?  

As the Senior Credit Solutions Manager, you would be responsible for all deal structuring, negotiation and final decisions on pricing within his/her defined portfolio.  The opportunity to interfaces directly with clients at times, in partnership with the Senior Client Relationship 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. You will contribute to the profitable development of Commercial Credit business. Responsible for the safeguards the Bank’s assets and liabilities. Execute the Branch Compliance responsibilities as reflected in the Branch Services and Procedures Manual. You will build a high-performance environment and implement a people strategy that attracts, retains, develops and motivates the team by fostering an inclusive work environment; communicating vison/values/business strategy and managing succession and development planning for the team. You will have the opportunity to coach and contribute to the teamwork skills in the group.

  Open to locations across Atlantic Canada, Halifax, St. John's, Fredericton, Moncton and Saint John  Location(s):  Canada : Nova Scotia : Halifax || Canada : New Brunswick : Fredericton || Canada : New Brunswick : Moncton || Canada : New Brunswick : Saint John || Canada : Newfoundland and Labrador : St John's 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.