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About the Role

The Credit Solutions Associate (CSA) provides end-to-end credit underwriting support for growth clients, working with internal partners and clients to manage financial reporting, funding requirements, onboarding, and issue resolution within the Growth Segment and less complex Core clients in Commercial Banking Distribution.

Responsibilities

• Champion a customer-focused culture to deepen client relationships and leverage broader Bank relationships, systems, and knowledge.
• Conduct thorough credit analysis and evaluation of loan applications, including due diligence for commercial clients.
• Assess the financial health, creditworthiness, and risk profile of potential borrowers.
• Prepare 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.
• Coordinate efforts with the client and various internal partners for fulfillment and funding.
• Monitor and manage the credit risk portfolio, ensuring compliance with the bank’s risk management policies and procedures.
• Identify and mitigate potential credit risks through proactive monitoring and analysis.
• Contact clients for financial reporting and spread Financial Statements, Projections and Borrowing bases, review results, escalate any signs of deterioration and update appropriate systems.
• Ensure all documentation is organized, accessible, and compliant with the bank’s record keeping policies.
• Ensure all credit analysis and evaluation processes comply with relevant regulatory requirements, internal process, policy, and guidelines.
• Stay up to date with changes in regulatory frameworks, internal process, policy, guidelines, and industry best practices.
• Understand how the Bank’s risk appetite and risk culture should be considered in day-to-day activities and decisions.

Requirements

• Ideally have a College/University degree or equivalent work experience in a related field.
• Strong/proven knowledge of Financial Statements and credit analysis.
• Knowledge of credit structures and applicable risk management.
• 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.
• Thorough knowledge of the applicable software and technology platforms for Commercial (e.g., Sales Force, Intralink, Teams).
• Working knowledge of the features and benefits of Commercial Banking products and services.
• A high degree of flexibility to adapt to a wide variety of tasks.

Skills

• Credit Underwriting
• Client Relationship Management Support
• Financial Reporting Collection/Processing
• Funding Requirements Management
• Client Onboarding
• Issue Resolution
• Credit Analysis
• Due Diligence
• Risk Assessment
• Credit Reporting
• Financial Statement Analysis
• Portfolio Monitoring
• Risk Management
• Compliance
• Record Keeping
• Regulatory Requirements
• Sales Force
• Intralink
• Microsoft Teams

Location

• London, Ontario, Canada

Work Type

• Onsite
• Full-time

Experience Level

• Not specified

Education Level

• College/University degree or equivalent work experience

Salary/Compensations

• Competitive compensation and benefits package

Benefits

• Rewarding career path with diverse opportunities for professional development
• Internal training to support career growth and enhance skills
• Competitive compensation and benefits package
• Opportunity to join a forward-thinking organization surrounded by a collaborative team of innovative thinkers
• Organization committed to making a difference in our communities

About the Company

• 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.

Equal Opportunity

• 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.