Credit Solutions Associate, Commercial Banking - Kelowna/Prince George area

Scotiabank; Kelowna; On-site; CAD 60,000 - 82,000; Full time

Job summary

Scotiabank, a leading Canadian bank, seeks a Credit Solutions Associate for the Kelowna/Prince George area to support Commercial Banking credit underwriting. You will work with Client Relationship Managers and clients to gather financial data, perform analyses, and prepare credit recommendations.

The role emphasizes growth with less complex core clients, requiring strong analytical and communication skills, attention to detail, and collaboration across teams in a fast-paced environment.

Qualifications

• Strong foundation in credit analysis and financial statement interpretation.
• Experience with credit structures and risk management practices.
• Commitment to excellent client service and detail-oriented work.
• Ability to collaborate with Client Relationship Managers and internal partners.

Responsibilities

• Conduct thorough credit analysis and due diligence for loan applications.
• Prepare detailed credit reports and recommendations for approvals.
• Assess financial health and risk profiles of borrowers.
• Monitor credit portfolio in line with risk policies.
• Coordinate with clients on financial reporting, projections, and borrowing bases.
• Ensure documentation is organized and compliant with policies.

Skills

Credit Analysis

Financial Statements

Risk Management

Client Service

Collaboration

Credit Reporting

Financial Modeling

Regulatory Knowledge

Education

College or University Degree

Tools

Salesforce

Intralinks

Microsoft Teams

Job description

Title: Credit Solutions Associate, Commercial Banking - Kelowna/Prince George area

Requisition ID: 276703
Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture.

Join a winning team at Scotiabank! Are you enthusiastic about making an impact for Canadian businesses? In Canadian Commercial Banking, we do not just serve businesses - we serve possibilities.

About the Opportunity:

The Credit Solutions Associate (CSA) plays a key role in supporting Client Relationship Managers with end-to-end credit underwriting support for growth clients within Commercial Banking Distribution. In this role, you will work closely with internal partners and directly with clients to support financial reporting, funding requirements, onboarding needs, and the resolution of escalated client challenges. This position is focused on the Growth Segment and less complex Core clients.

How You Will Make an Impact:

• Champion a customer-focused culture that deepens client relationships and leverages broader Bank relationships, systems, and knowledge.
• Partner closely with Client Relationship Managers to support a portfolio of existing and prospective commercial clients.
• Conduct thorough credit analysis and evaluation of loan applications, including required due diligence from commercial clients.
• Assess the financial health, creditworthiness, and risk profile of potential borrowers.
• Prepare detailed credit reports and recommendations to support credit approval decisions.
• Analyze financial statements, credit reports, and other documentation to identify potential risks and opportunities.
• Monitor and manage the credit risk portfolio while ensuring alignment with the Bank’s risk management policies and procedures.
• Proactively identify, escalate, and help mitigate potential credit risks through ongoing monitoring and analysis.
• Contact clients for financial reporting, spread financial statements, projections, and borrowing bases, review results, and update appropriate systems.
• Ensure documentation is organized, accessible, and compliant with the Bank’s record-keeping policies.
• Stay current with regulatory requirements, internal processes, policies, guidelines, and industry best practices.
• Apply the Bank’s risk appetite and risk culture in day-to-day activities and decisions.

What You will Bring to the Team:

You bring a strong foundation in Credit Analysis, a client-first mindset, and the ability to manage multiple priorities with accuracy and professionalism. You are comfortable working with financial information, collaborating across teams, and supporting timely, thoughtful credit decisions for Commercial Banking clients.

Must-have

• Education: College or university degree, or equivalent work experience in a related field.
• Strong Knowledge of financial statements and credit analysis.
• Knowledge of credit structures and applicable risk management practices.
• Strong commitment to excellent client service, with the ability to resolve client issues in an amicable and timely manner.
• High attention to detail and strong organizational skills, with the ability to manage multiple tasks and priorities effectively.
• Ability to work collaboratively with Client Relationship Managers, internal partners, and clients.
• Flexibility to adapt to a wide variety of tasks in a fast-paced Commercial Banking environment.

Nice-to-have

• Working knowledge of Commercial Banking products and services.
• Experience using Commercial technology platforms such as Salesforce, Intralinks, and Microsoft Teams.
• Experience supporting financial reporting, borrowing bases, projections, and portfolio monitoring activities.
• Familiarity with regulatory frameworks, internal policies, procedures, and industry best practices.

What’s in it for You?

When you join the bank, you are not just taking a job, you’re becoming part of a culture that values inclusion, accountability, integrity, and client-centricity – that is our ScotiaBond which is the foundation for how we support our people and deliver for our clients.

As an employee in Canadian Commercial Banking at Scotiabank, you can expect:

• A competitive Total Rewards package including performance-based bonuses, flexible benefits, and market-leading compensation.
• Ongoing career development and coaching from experienced leaders, with clear opportunities to grow within Commercial Banking and across Scotiabank.
• The chance to own and grow a high-impact client portfolio, with real accountability and visibility in your market.
• A dynamic, collaborative, and high-performing team that values partnership, inclusion, and shared success.
• Exposure to a broad range of industries, clients, and complex financial solutions, accelerating your learning and expertise.

Location(s): Canada : British Columbia : Kelowna || Canada : British Columbia : Prince George
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.

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.