Ville : Toronto, ON, CA, M5H3Y2

Catégorie : Credit Analyst

Industrie : Financial Services/Banking

Employeur : Scotiabank

Requisition ID: 210323

Roynat Capital, a wholly owned subsidiary of Scotiabank, is a national lender and investor with expertise in providing innovative long-term capital solutions for mid-sized companies utilizing senior term, subordinated debt, as well as mezzanine capital and common share equity. We provide tailored solutions to clients for acquisitions, business expansions, wealth monetization, and working capital enhancement. With a national presence in Canada in major markets, Roynat assists growth-oriented companies in reaching their goals across a wide range of industries.

The Analyst is responsible for assisting our National Hospitality team with overall portfolio management and underwriting.  The incumbent requires a thorough understanding of financial statement analysis and capable of following through with client enquiries and concerns in a professional manner.
 

Is this role right for you? In this role, you will:
 

• Champions a customer focused culture to deepen client relationships and leverage broader Bank relationships, systems and knowledge.
• Meet performance objectives and ensure progress is made towards maximizing the potential business from existing clients and prospects within an assigned market area by:
  • Supporting the proactive acquisition of new clients by understanding clients’ needs and supporting Relationship Managers throughout the loan process.
  • Deepening client relationships through increased understanding of client businesses and industries in which they operate, leveraging partners building a strong network within / outside of Scotiabank.
  • Establishing, expanding and deepening a strong network with Hotel Franchisors, Franchisees and key business referral sources (COIs) in the assigned market area together with senior members of the team;
  • Maintaining a comprehensive record of call activities and business development activities on the client relationship management (CRM) system;
  • Making it easy for clients to do business with Scotiabank by maintaining strong communication with clients to manage their expectations while ensuring quick turnaround times.
• Manage and control assigned/team loan portfolio to ensure it is at an acceptable level of risk and generates an appropriate return by:
  • Researching, preparing and verifying comprehensive credit applications that align with documented guidelines as set out in Roynat’s policies
  • Exercising sound credit judgment (or risk management) based on thorough due diligence and analysis
  • Monitoring all assigned accounts to ensure conformity to terms and conditions, as stipulated in credit authorizations with timely financial statement reviews
  • Promptly identifying and resolving deteriorating credit quality and participating (as necessary) in the resolution of problem loan situations
  • Developing a solid working relationship with respective Risk Management partner(s) and establishing a  communication and feedback process for credit presentations
  • Maintaining a solid client relationship on assigned client base, keeping an awareness of the affairs of clients, ensuring administration of the accounts is timely (reviews) and a comprehensive database of activities is maintained
  • Spreading financial statement data and providing solid analysis to identify trends and changes in revenue streams.
  • Ensuring requirements and any contingent conditions, such as Know Your Customer (KYC), have been satisfied before facilitating the disbursement process.
• Building sales skills and a portfolio of clients by:
  •  Maintaining a good knowledge of other products and services offered by Scotiabank to support the identification of cross-sell/referral opportunities (i.e. Foreign Exchange, Swaps, Global Transaction Banking (GTB), Wealth Management, etc.);
  • Accompanying Relationship Managers on sales calls to develop business relationships, make operational inquiries, and collect data in qualifying credit deals. 
  • Ensuring a Client Planner is completed for new clients, and existing clients at the time of annual review.
• 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 his/her respective areas, while ensuring the adequacy, adherence to and effectiveness of day-to-day business controls to meet obligations with respect to operational risk, regulatory compliance risk, AML/ATF risk and conduct risk, including but not limited to responsibilities under the Operational Risk Management Framework, Regulatory Compliance Risk Management Framework, AML/ATF Global Handbook and the Guidelines for Business Conduct.
   

Do you have the skills that will enable you to succeed in this role? – We’d love to work with you if you have
 

• University degree with a focus on Economics, Commerce, Finance, Accounting or other related fields
• Professional financial designation such as a CPA or CFA (e.g. CA, CMA, CFA) is strongly preferred
• Solid networking and relationships building skills with proven ability to work cross-functionally with other Roynat/Scotiabank partner
• Good knowledge of the Canadian Commercial Banking marketplace
• Strong communication and interpersonal skills through consistent demonstration of approachability, ability to build trust and understanding
• Solid knowledge of risk assessment techniques for structuring credit and financial analysis skills 
• Basic portfolio management skills and deal structuring skills
• Strong presentation skills and ability to think/respond quickly and adapt to change readily
   

What’s in it for you?
 

• A competitive compensation and benefits package tailored for the Investment & Personal Banking Specialist, Investment & Retirement Planning role
• Ability to make a lasting impact on an assigned book of customers
• An inclusive culture where we value and recognize our employees’ contributions
• An organization committed to making a difference in our communities – for you and your customers

Location(s): Canada : Ontario : Toronto

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. Candidates selected for an interview will be contacted directly. If you require accommodation during the recruitment and selection process, please let us know. We will work with you to provide as seamless a recruitment experience as possible.