Senior Credit Solutions Manager – Calgary

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.
• Provide prompt and sound recommendations in the analysis and adjudication of credit proposals.
• Ensure that writings to the Senior Client Relationship Manager(s) clearly convey the rationale for decisions, so that they may respond effectively to clients.
• Approve or recommend 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.
• Be responsible for restructuring marginal proposals into bankable deals where possible.
• Provide guidance, coaching and counsel to Client Relationship Manager(s), so that they may better serve clients’ needs.
• Liaise with Client Portfolio Management for compliance monitoring and reporting actions as required.
• Ensure 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.
• Maintain a high level of customer service, with prompt and timely responses to credit applications.

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

• 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.
• Understanding of how the Bank’s risk appetite and risk culture should be considered in day-to-day activities and decisions.
• A minimum of 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.
• 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, including a working knowledge of MS Word, Excel, Power Point and all commercial systems and platforms.
• Strong credit skills and credit experience.
• Proven risk assessment and analysis skills as well as deal structuring skills.
• 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 your defined portfolio.
• The opportunity to interface directly with clients at times, in partnership with the Senior Client Relationship Manager.
• Liaise with Credit/Global Risk Management through the credit decision-making process and ensure all activities are conducted in compliance with governing regulations, internal policies and procedures.
• Contribute to the profitable development of Commercial Credit business.
• Responsible for safeguarding the Bank’s assets and liabilities.
• Execute the Branch Compliance responsibilities as reflected in the Branch Services and Procedures Manual.
• 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 vision/values/business strategy and managing succession and development planning for the team.
• Opportunity to coach and contribute to the teamwork skills in the group.

Location(s): Canada : Alberta : Calgary

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 during the recruitment and selection process, please let our Recruitment team know.