Credit Solutions Associate, Canadian Commercial Banking

Position: Credit Solutions Associate, Canadian Commercial Banking   )
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Title:

Credit Solutions Associate, Canadian Commercial Banking (Mississauga or Markham, Ontario)

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

Credit Solutions Associate, Commercial Banking (Mississauga or Markham, Ontario)

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, elevate, 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…