Associate, Commercial Real Estate Banking - Toronto

Scotiabank; Toronto; On-site; CAD 80,000 - 100,000; Full time

Job summary

A leading North American bank in Toronto seeks an Associate for Real Estate Banking. The role includes managing accounts, providing customized financial solutions, and supporting the Director. Ideal candidates will have strong communication skills and a customer-focused mindset. Join a high-performing team and enjoy opportunities for professional growth.

Benefits

Opportunity to work directly with senior leadership

Inclusive work environment

Exposure to diverse banking services

Qualifications

• Strong interpersonal and communication skills; articulate views effectively.
• Champion a customer-focused culture to deepen client relationships.
• Understand the Bank's risk appetite in daily activities.

Responsibilities

• Contribute to team financial objectives through loan acceptances.
• Manage a portfolio of accounts effectively.
• Provide customized financial solutions to clients.

Skills

Interpersonal communication

Customer-focused culture

Risk assessment

Job description

Overview

Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture. The Associate contributes to the overall success of Real Estate Banking by meeting team financial and non-financial metrics and supporting the Director with the management of a portfolio of accounts. All activities conducted are in compliance with governing regulations, internal policies and procedures.

Requisition ID: 236807

Responsibilities

• Contribute to the team financial objectives that include new loan acceptances, asset, revenue and deposit growth, new customer acquisition, and referrals to other departments within the Bank.
• Manage a portfolio of accounts.
• Provide customized and creative financial solutions to satisfy clients’ needs and deliver a consistent customer service experience.
• Maintain credit quality and profitability of customer relationships.
• Monitor accounts to ensure the Bank’s security position remains within guidelines, ensure all conditions are met, and take timely action on maintenance items such as maturity dates and annual reviews.
• Prepare credit applications and annual reviews, communicate with clients, and support income property lending on multi-unit residential and commercial properties, including construction financing to builders and developers.
• Prepare credit presentations that are concise, bank-standard, and completed in a timely fashion.
• Perform due diligence to identify major issues and inherent risks critical to sound credit decisions and verify material facts.
• Evaluate risk by considering project strengths, proponent experience and worth, cash flow, asset coverage, and alternate repayment sources.
• Provide effective account management and safeguard the Bank’s assets and liabilities.
• Support business development activities by researching, preparing, and conducting sales calls and site visits; monitor customers’ needs and cross-sell Bank services.
• Identify and refer sales opportunities to other departments, including Global Banking and Payments, Private Banking, Commercial and Retail Banking, and Global Banking and Markets.
• Assist the Director with maintaining an ongoing pipeline of business, including customers and active prospects; establish and maintain effective external contacts.

Qualities & Skills

• Strong interpersonal and communication skills; ability to articulate views within the Bank and in the marketplace.
• Champion a customer-focused culture to deepen client relationships and leverage broader Bank relationships, systems, and knowledge.
• Understand how the Bank’s risk appetite and risk culture should be considered in day-to-day activities and decisions.

Requirements & Expectations

• Location: Canada, Ontario, Toronto. Travel to client premises and site visits; a driver’s license is mandatory.
• Work in a standard office-based environment with some travel.

What’s in it for you?

• Opportunity to work directly with the Director and Group Lead, Real Estate Banking within Canadian Business Banking.
• Champion a high-performance environment and contribute to an inclusive work environment.
• Manage a portfolio of approximately 10 to 20 borrowing accounts and up to 50 non-borrowing accounts (may vary by region).
• Join a forward-thinking organization with a collaborative team of innovative thinkers.

Location

Canada : Ontario : Toronto

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.

We value the unique skills and experiences each individual brings and are committed to creating an inclusive and accessible environment for everyone. If you require accommodation during the recruitment and selection process, please let our Recruitment team know. If you require technical assistance, please contact us. Candidates must apply directly online to be considered. We thank all applicants for their interest; however, only those selected for an interview will be contacted.