Credit Solutions Associate - Contract - Laval

Scotiabank; Laval (administrative region); On-site; CAD 60,000 - 80,000; Full time

Job summary

Scotiabank in Laval is seeking a Credit Solutions Associate (CSA) on a contract basis to support Client Relationship Managers in end-to-end credit underwriting for growth and core commercial banking clients. You will engage with clients for financial reporting, credit assessment, and risk monitoring to uphold bank policies.

Responsibilities include preparing credit reports, analyzing statements, and ensuring documentation compliance while collaborating across teams in a fast-paced environment.

Qualifications

• Strong knowledge of financial statements and credit analysis.
• Experience with credit structures and risk management is a plus.
• Ability to manage multiple tasks and priorities with attention to detail.

Responsibilities

• Conduct thorough credit analysis and evaluation of loan applications with due diligence for commercial clients.
• Assess financial health, creditworthiness, and risk profile of borrowers.
• Prepare detailed credit reports and recommendations for approval or denial.

Skills

Credit analysis

Financial statements

Client service

Regulatory knowledge

English/French communication

Education

College/University degree or equivalent

Tools

Salesforce

Intralink

Teams

Job description

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Title: Credit Solutions Associate - Contract - Laval

Requisition ID: 273869

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

The Credit Solutions Associate (CSA) provides the Client Relationship Managers with end-to-end creditunderwriting support for all growth clients in their assigned portfolio. This will include working with internalpartners and directly reaching out to clients to address various activities such as collection/processing offinancial reporting, satisfaction of funding requirements, onboarding needs and resolution of escalated client challenges. The role is specific to the Growth Segment and the less complex Core clients in CommercialBanking Distribution.

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

• Champion a customer focused culture to deepen client relationships and leveragebroader Bank relationships, systems and knowledge.


• Working closely with Client Relationship Managers, the Credit Solutions Associate (CSA) isresponsible for providing the following services to a portfolio of existing and prospectiveclients:


• Conduct thorough credit analysis and evaluation of loan applications including required duediligence from commercial clients.


• Assess the financial health, creditworthiness, and risk profile of potential borrowers.


• Prepare detailed credit reports and recommendations for credit approval or denial.


• Analyze financial statements, credit reports, and other relevant documentation to identifypotential risks and opportunities.


• Monitor and manage the credit risk portfolio, ensuring compliance with the bank’s riskmanagement policies and procedures.


• Identify and mitigate potential credit risks through proactive monitoring and analysis.


• Contact clients for financial reporting and spread Financial Statements, Projections andBorrowing bases, review results, elevate any signs of deterioration and update appropriatesystems.


• Ensure all documentation is organized, accessible, and compliant with the bank’s record keeping policies.


• Ensure all credit analysis and evaluation processes comply with relevant regulatoryrequirements, internal process, policy and guidelines.


• Stay up to date with changes in regulatory frameworks, internal process, policy, guidelines andindustry best practices.


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

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

• Ideally you have a College/University degree or equivalent work experience in a related field.


• Strong/proven knowledge of Financial Statements and credit analysis.


• Knowledge of credit structures and applicable risk management


• Strong commitment to excellent client service and ability to work with clients to resolve issues in anamicable and prompt manner.


• Detail-oriented and highly organized, with the ability to manage multiple tasks and priorities effectively.


• Thorough knowledge of the applicable software and technology platforms for Commercial (e.g., SalesForce, Intralink, Teams).


• Working knowledge of the features and benefits of Commercial products and services.


• A high degree of flexibility to adapt to a wide variety of tasks.

In addition to French, the successful candidate must also have sufficient knowledge of English, as the work involves interactin g and collaborating regularly with groups and individuals based in Toronto, as well as constantly interacting with other people, including clients, who speak English, locally and elsewhere.

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Location(s): Canada : Quebec : Laval

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.