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Director, Commercial National Accounts – Credit Risk

Scotiabank

This is a Contract position in Sarnia, ON posted April 30, 2021.

Requisition ID: 100812 Join the Global Community of Scotiabankers to help customers become better off.

The Director, National Accounts ensures the Commercial Bank’s loan portfolio is efficiently maintained at an acceptable level of risk and loan losses are minimized.

As the Director, you will adjudicate credit requests up to limits; make sound recommendations on larger loans, and ensure the loan portfolio is managed effectively and in adherence to Bank policy and standards What you’ll do in this role?

-Contribute to the quality of the loan portfolio through: Providing prompt and sound decision making in the analysis and adjudication of credit proposals within assigned limits; Making recommendations to the appropriate adjudicating levels; Providing recommendations to improve the structure of marginal proposals into bankable deals as appropriate; Monitoring the timely submission of all applications; Improving the quality of applications and submissions; Ensuring the accuracy of data in various databases and reports.

-Ensure that all terms and conditions of authorizations are accurate and that the Bank’s position is fully protected by way of adequate security requirements and appropriate credit conditions.

-Ensure risk assessment guidelines are applied and provide feedback and guidance to the field on these principles.

-Ensure the maintenance of acceptable quality in the portfolio by monitoring the quality of accounts; monitor portfolio/industry trends and recommend suitable courses of action -Set work priorities and provides prompt decision-making in the adjudication of credit applications and ensure turnaround is within target time frames.

Model customer service excellence.

-Work effectively by consulting with other team members, Banking and other areas of the Bank and share best practices with other team members within the group.

-Adapt positively to change, including technological, and work effectively within a variety of situations.

-Create opportunities for relationships/partnerships, internal and external to the organization.

What we’re looking for?

Post-Secondary Education completed.

MBA, CMA, CFA or CA designation a strong asset 5-7 years of progressive credit risk experience or related equivalent experience.

Thorough understanding of Commercial Credit / Banking and the Bank’s credit policies and procedures.

Skilled in financial analysis and accounting, risk assessment and developing creative financing proposals demonstrating sound credit judgment.

Expert understanding of security documentation, legal ramifications and remedies is necessary.

Strong leadership skills.

Good understanding of various and diverse industries in which incumbent will be required to make / recommend credit decisions and must be attentive to local economic trends within the assigned geographical area.

Excellent communication skills (written and oral) to converse effectively with line and corporate personnel.

Ability to make decisions, frequently in the face of uncertainty, and clearly communicate rationale for decisions.

What’s in it for you?

The opportunity to join a forward-thinking company surrounded by a collaborative team of innovative thinkers.

A rewarding career path with diverse opportunities for professional development.

Internal development to support your growth and enhance your skills.

A competitive compensation and benefits package.

An organization committed to making a difference in our communities
– for you and our customers.

We have an inclusive and collaborative working environment that encourages creativity, curiosity, and celebrates success This position is located Downtown Toronto Location(s): Canada : Ontario : Toronto As Canada’s International Bank, we are a diverse and global team.

We speak more than 100 languages with backgrounds from more than 120 countries.

Our employees are committed to a superior customer experience and use the Bank’s six guiding sales practice principles to ensure they act with honesty and integrity.

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.