Credit Solutions Associate

Title:

Credit Solutions Associate, Laval

Requisition

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 credit underwriting support for all growth clients in their assigned portfolio. This will include working with internal partners and directly reaching out to clients to address various activities such as collection/processing of financial 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 Commercial Banking Distribution.

• Champion a customer focused culture to deepen client relationships and leverage broader Bank relationships, systems, and knowledge.
• Work closely with Client Relationship Managers to deliver the following services to a portfolio of existing and prospective 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 for credit approval or denial.
• Analyze financial statements, credit reports, and other relevant documentation to identify potential risks and opportunities.
• Monitor and manage the credit risk portfolio, ensuring compliance with the bank’s risk‑management policies and procedures.
• Identify and mitigate potential credit risks through proactive monitoring and analysis.
• Contact clients for financial reporting and spread financial statements, projections, and borrowing bases, review results, and update appropriate systems.
• 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 regulatory requirements, internal processes, policies, and guidelines.
• Stay up to date with changes in regulatory frameworks, internal processes, policies, guidelines, and industry best practices.
• Understand how the Bank’s risk appetite and risk culture should be considered in day‑to‑day activities and decisions.

• 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 the ability to work with clients to resolve issues amicably and promptly.
• Detail‑oriented and highly organized, with the ability to manage multiple tasks and priorities effectively.
• Proficient with the software and technology platforms for Commercial (e.g., Sales Force, Intralink, Teams).
• Working knowledge of the features and benefits of Commercial products and services.
• 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 interacting and collaborating regularly with groups and individuals based in Toronto, as well as interacting with other people, including clients, who speak English, locally and elsewhere.

#CBBCredit

Location(s):
Canada :
Quebec :
Laval

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.