puestos de Agriculture en México

Requisition ID: 235565

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

Purpose

Contributes to the overall success of Canadian Business Banking 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 Client Relationship Manager (CRM) is a product generalist who possesses a good understanding of financial products and services and focuses on the cross sell and retention of existing commercial customers. He/She is responsible for identifying prospects in target markets, developing proposed sales pipelines, conducting prospect sales calls and qualifying opportunities based on customer information and a high level of due diligence.

This role contributes to the overall success of the Canadian Agriculture Banking team in Commercial Banking ensuring specific individual goals, plans and initiatives are executed/delivered in support of the team’s business strategies and objectives. Ensures all activities conducted in compliance with governing regulations, internal policies and procedures.

The Client Relationship Manager (CRM) is responsible for ensuring effective relationship management and conducts sales planning and fulfills the execution of service for existing customer base. The incumbent is also responsible for analysis and completion of credit applications.

Champions a client-driven culture to deepen client relationships and leverage broader Bank relationships, systems and knowledge.

Promotes the development and profitable growth of the Canadian Business Banking portfolio in the assigned market area by:

• Developing and implementing a marketing strategy to maximize business development opportunities for sustainable growth.
• Developing sales plans for prospects and existing customers.
• Identifying prospects/referrals from other internal/external networks.
• Analyzing prospect lists and prioritizing business development opportunities based on market data and customer analytics.
• Partner with internal resources for non-credit related products.
• Referring customers and prospects to the appropriate Canadian Business Banking segment and partners as appropriate.

Pursues a business development program within the assigned market area according to agreed-upon growth objectives by:

• Direct selling of credit and non-credit commercial products to prospects and customers.
• Maintaining an appropriate ongoing sales pipeline and calling program.
• Identifying and facilitating the involvement of key Bank resources and stakeholders to further business interests.
• Maintaining effective follow-up with prospects/referrals on any unsuccessful opportunities.
• Updating client or contact information accurately and in a timely fashion.

Builds and maintains a market profile in the assigned market area with both internal and external contacts by;

• Planning and completing relationship activities that generate sales opportunities and/or provide value to clients.
• Building and maintaining an awareness of local market and general economic conditions.
• Meeting with business leaders and other centres of influence.
• Participating in local professional and community events and associations to develop and expand network of contacts.
• Liaising and utilizing Bank product specialists to stay abreast of new enhancements, products and services, and to fulfil identified client needs.

Ensures all aspects of assigned relationships receive ongoing attention, as required to maintain, improve, grow and retain the relationship by.

• Manage an assigned credit portfolio for authorizations up to $25MM at an acceptable level of risk by:
• Completing credit reviews in a timely and sufficiently detailed fashion.
• Authorizing, renewing or declining customer requests within standard Bank policies and authorized limits, forwarding others as per established processes.
• Preparing and/or ensuring all documentation is properly prepared.
• Ensuring accounts adhere to the conditions of authorization.
• Identifying and resolving deviations from the conditions of authorization.
• Ensuring early identification of problem loans and ensuring the accuracy of risk ratings through identification of changes in account quality via review of industry/economic trends.
• Making recommendations relative to structure, monitoring and risk rating to Global Risk Management as issues are identified. This may include exiting a relationship.

Ensures satisfactory onboarding of clients by:

• Completing diligence to ensure through understanding of the Client’s business and expected business activity and that it aligns with the Bank’s risk tolerance.

Champion sustainment of the Operating Model by:

• Taking ownership that activities and behaviours align to roles and responsibilities and adherence to guidelines and processes within the Team.
• Champion and support a culture of diversity and other initiatives aligned with the Bank strategy.
• 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.

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

• Strong organizational skills are necessary to manage significant data from multiple sources and balance various tasks from client service administration to borrower reporting processing to credit related support.
• The incumbent will interact primarily with various internal partners which include: Global Risk Management, the Business Service Center, Enhanced Due Diligence Unit CRA, Small Business, Retail, Wealth Management, Global Banking and Markets, Cash Management Contact Centre, Payments and Cash Management and could include other partners as well as the Canadian Business Banking Executive Office.
• The incumbent will also interact with external parties such as Solicitors, Accountants, Professional Service Providers and possibly External Bank Groups.
• The incumbent continually works with clients providing service consistent with Scotia Service Standards, Complaint Resolution Standards and Procedures. The CRM looks for opportunities to promote the sale of bank product and services.
• The environment is fast paced and demanding and will at times require priorities be re-adjusted to accommodate urgent requests.

Education

· Undergraduate degree in business or economics or work equivalency.

· Other training requirements as determined by the Bank from time to time.

Skills/Work Experience

· Previous work experience of at least three to four years, within Agriculture banking.

· Strong sales/closing skills.

· Strong communication and interpersonal skills and knowledge of Bank’s commercial lending and deposit products and services.

· Ability to conduct due diligence on the strength of customer financials for deals of lower to moderate complexity.

· Strong commercial credit.

· Incumbent requires a thorough knowledge of the commercial banking marketplace in Canada and general knowledge of the assigned market areas.

· Strong networking ability and negotiation skills.

Working Conditions:

Work in a standard office-based environment; non-standard hours are a common occurrence.

Travel within the assigned territory is required as well as a vehicle.

Open to Calgary, Central Alberta and Northern Alberta candidates.

Location(s): Canada : Alberta : Calgary || Canada : Alberta : Edmonton || Canada : Alberta : Red Deer

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. If you require technical assistance, please click here. Candidates must apply directly online to be considered for this role. We thank all applicants for their interest in a career at Scotiabank; however, only those candidates who are selected for an interview will be contacted.