Senior Client Service Associate, Agriculture National Accounts - Canadian Commercial Banking

 

 

 

Requisition ID: 242801

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

 

Senior Credit Solutions Associate, Agriculture Banking, Canadian Commercial Banking

 

Purpose

 

Provides Senior Credit Solutions Manager (SCSM) credit support as it relates to the credit adjudication process within Agriculture Banking . Provides a high standard of support to the team and contributes to the profitable growth and quality of the distribution portfolio in which they will be supporting.

 

The Senior Credit Solutions Associate will work with SCSM with the preparation, analysis, and monitoring of credit applications and portfolios. The ideal candidate will have a strong understanding of credit principles, excellent analytical skills, and the ability to work collaboratively in a fast-paced environment. The role is specific to supporting more complex Core clients and is intended to provide deal exposure and development for a SCSM role.

 

Contributes to the overall success of Agriculture Banking team and their respective in Department/Region ensuring specific individual goals, plans, initiatives are executed / delivered in support of the team’s business strategies and objectives. Ensures all activities conducted are 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.

 

Credit Analysis and Evaluations:

• Perform credit tasks for core clients supporting Senior Credit Solutions Managers (SCSM) such as:

 

• Prepare Financial Statement spreading, credit summaries, Projections and Borrowing bases, review results, escalate any signs of deterioration and update appropriate systems.
• Understand the financial health, creditworthiness, and risk profile of potential borrowers.
• Support the SCSM with 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.
• Ensure client files are complete and appropriately documented in various systems (e.g., SDR, etracker, etc.)
• Verify all all-relevant data is maintained, current and accessible for ongoing credit assessments.

 

• Working on larger and complex deals with SCSM:

• Responsible for preparation of Credit Presentations and packages
• While not on direct coverage team for portfolio, will work closely with SCSM to engage client on an as needed basis
• General support as necessary with other credit- related situations needed to maintain credit quality.
• Work closely with both Sr. Relationship Managers and SCSM to understand client needs and develop tailored credit solutions.
• Participate in deal forums to socialize deals with GRM where appropriate.

 

Continuous Improvement: 

• 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 their 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.

 

Reporting Relationships

Primary Manager:  Director, Credit
Direct Reports:  None

 

Dimensions:

 

• Supporting Senior Credit Solutions Managers (SCSM) in the region, on the most complex Core clients.
• The clients being serviced are in Canada and generally within the same region although they could have operations across the country as well as in international locations. These clients will be both borrowing (+$5MM with some clients up to $25MM) and non-borrowing. Credits of the higher complexity and/or highly customized borrowing Core relationships, with credit authoriz