Associate, Real Estate Banking - Toronto, ON

Scotiabank; Toronto; On-site; CAD 70,000 - 100,000; Full time

Job summary

Scotiabank in Toronto is seeking an Associate for Commercial Real Estate Banking. You will help manage a portfolio of 10–20 borrowing accounts and up to 50 non-borrowing accounts, support credit decisioning, and contribute to profitable growth.

The role emphasizes client service, risk management, and collaboration with the Director and Group Lead. Travel to client premises is expected; a valid driver’s license is required. Join a high-performing, inclusive team in Canadian Business Banking.

Qualifications

• Strong interpersonal and communication skills are essential.
• Ability to foster a customer-focused culture and deepen client relationships.
• Contributes to growth of the real estate portfolio through effective teamwork.

Responsibilities

• Prepare credit applications and annual reviews for income property lending and construction finance.
• Prepare concise credit presentations in line with Bank standards and deadlines.
• Perform due diligence to identify key risks and verify material facts.
• Evaluate project risk, proponent worth, cash flow, and asset coverage, including alternatives.
• Provide effective account management and safeguard Bank assets and liabilities.
• Support business development by researching, preparing and conducting sales calls and site visits.
• Monitor client needs and cross-sell Bank services, referring opportunities across departments.
• Maintain an ongoing pipeline of customers and prospects; establish external contacts.

Skills

Interpersonal communication

Customer focus

Relationship management

Job description

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Requisition ID: 268985
Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture.

Contributes to the overall success of the Commercial Real Estate Banking team, 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.

The Associate is responsible for contributing to the overall success of Real Estate Banking by meeting his/her team financial and non-financial metrics and supporting the Director with the management of a portfolio of accounts.

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

Contribute to the team financial objectives that consist of new loan acceptances, asset, revenue and deposit growth, new customer acquisition, and referrals to other departments within the Bank.

Deal with non-financial objectives that consist of customer service, operational effectiveness and personal development.

Managing a portfolio of accounts.

Provide customized and creative financial solutions to satisfy clients needs and delivering a consistent customer service experience.

Maintaining credit quality and profitability of customer relationships.

Monitoring all accounts to ensure the Bank’s security position remains within guidelines, all conditions are met, and timely action has been taken with sundry maintenance items such as maturity dates and annual reviews.

Do you have the skills that will enable you to succeed in this role?

Strong interpersonal and communication skills are essential to this position. The Account Manager must be able to effectively articulate views both within the Bank and externally in the marketplace.

Champion a customer focused culture to deepen client relationships and leverage broader Bank relationships, systems and knowledge.

Contributes to the development and profitable growth of the real estate portfolio by:

• Preparing credit applications, annual reviews, client communication, in support of income property lending on multi-unit residential and commercial properties, and construction financing to builders and developers.
• Preparing credit presentations that are concisely written and structured in accordance with Bank standards and completed in a timely fashion.
• Performing due diligence in evaluating information to ensure the major issues and inherent risks that are critical to a sound credit decision have been identified and material facts verified.
• Properly evaluating risk by thoroughly considering the strengths of and major issues relating to the project, the experience and worth of the proponent, and cash flow and asset cover (including alternate sources of repayment).

Provides effective account management and safeguard the Bank’s assets and liabilities by.

Support the business development activities of the Bank by:

• Taking a positive approach to business and identifying new business opportunities with proper focus on profitability and risk.
• Assisting the Director and Group Lead by researching, preparing and conducting sales calls the site visits.
• Monitoring customers’ needs and cross-selling Bank services.
• Identifying and referring sales opportunities to other departments in the Bank, including Global Banking and Payments, Private Banking, Commercial and Retail Banking, and Global Banking and Markets.
• Assisting the Director with maintaining an ongoing pipeline of business, including customers and active prospects.
• Establishing and maintaining effective external contacts.

Understands how the Bank’s risk appetite and risk culture should be considered in day-to-day activities and decisions.

Work in a standard office-based environment with some travel to client premises and site visits. A driver’s license is mandatory.

What's in it for you?

An opportunity to work directly with the Director and Group Lead, Real Estate Banking within Canadian Business Banking.

Champion a high-performance environment and contributes to an inclusive work environment.

Manage a portfolio size of approximately 10 to 20 borrowing accounts and up to 50 non-borrowing accounts (may vary depending on region/team).

To work with an organization committed to making a difference in our communities – for you and our customers.

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

Location(s): Canada : Ontario : Toronto