Professional Banking Specialist Job Cambridge area,Ontario Canada,Finance & Banking

Is this role right for you?

In this role, you will:

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

Manage and grow a business banking portfolio of existing and new high value professional clients, with the purpose of achieving objectives related to: asset, deposit and revenue growth; business development activities; retention and referrals; client satisfaction; operational effectiveness and personal development

Develop and maintain knowledge of assigned professional client portfolio including the nature and progress of their business, their financial position, and the terms and conditions of financial services used

Develop and maintain business relationships with internal partners, including retail, small business, commercial, and wealth to identify opportunities to acquire, grow and deepen client relationships

Manage an assigned client portfolio at an acceptable level of risk by:
Working closely internal credit adjudication partners when processing deals Completing credit reviews in a timely and sufficiently detailed fashion Authorizing, renewing, or declining client requests within standard Bank policies and authorized limits, forwarding others as per established processes Preparing and/or ensuring all documentation is properly completed and accounts adhere to conditions of authorization Identifying and resolving deviations from the conditions of authorization Identifying deteriorating and/or unsatisfactory trends affecting the loan portfolio, seizing opportunities to reduce risk and loss

Respond to client requests for service, instructing and guiding clients in service use and confirming their satisfaction with the service

Identify prospects and acquire clients using multiple channels including asking for referrals from existing clients, collaboration with internal partners and COIs, developing a network of community business contacts and participating in marketing/educational seminars and industry events

Discovering business and personal banking needs/preferences on both sides of the client's balance sheet and engaging the right bankers to deliver holistic solutions

Responding to requests for retail/business banking solutions by collecting relevant information, processing the requests, and conducting due diligence as applicable

Informing the client of what to expect and when the service is set up for their use, providing necessary set up instructions where appropriate, and ensuring the set up occurs according to plan

Contribute to Business Banking’s overall financial and non-financial objectives by:
Meeting assigned targets, which include asset, deposit and revenue growth, and business development activities, retention, and referral goals as well as other objectives related to client service, operational effectiveness, and personal development Developing an understanding of the branch financial and non-financial goals and how to contribute to them Participating in team meetings, skill-building sessions, and one-on-one coaching sessions Adhering strictly to Bank and Branch security procedures and assigned authorities and responsibilities and reporting any unusual occurrences or fraudulent activity to your supervisor immediately

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 their respective areas in accordance with Scotiabank’s Values, its Code of Conduct, and the Global Sales Principles, while ensuring the adequacy, adherence to and effectiveness of day-to-day business controls to meet obligations with respect to operational, compliance, AML/ATF/sanctions, and conduct risk

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

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

Minimum 8 years previous experience in business banking financing, underwriting and relationship management

Post-secondary education in accounting, finance, business law, and economics, or equivalent work experience

Expert knowledge of the features and benefits of Business Banking products and services (e.g. Lending, Cash Management, Deposits, and Operating Accounts), selling approach, and adjudication principles

Advanced understanding of credit including thorough knowledge of business financial statements, legal and security documentation for business products

Thorough knowledge of features and benefits of Retail Banking products and services for professionals

Strong knowledge of marketplace and experience in the professional segment

Thorough knowledge of applicable risk management policies and processes

Extensive and proven knowledge of interviewing, solicitation, marketing, and business development techniques

Thorough knowledge of professional/small business legal structures, life cycles and owner characteristics

Working knowledge of other business…


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