Associate Roynat Capital - Montreal Job Montréal area,Pointe-Claire Province de Québec Canada,Finance & Banking

Location: Pointe-Claire

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In this role, you will:

Manage and control assigned loan portfolio to ensure it is at an acceptable level of risk and generates an appropriate return by:

Researching, preparing and verifying comprehensive credit applications that align with documented guidelines as set out in Roynat’s guidelines and policies

Exercising sound credit judgment based on thorough due diligence and analysis

Monitoring all assigned accounts to ensure conformity to terms and conditions, as stipulated in

credit authorizations with timely financial statement reviews

Promptly identifying and resolving deteriorating credit quality and participating (as necessary) in the resolution of problem loan situations

Developing a good working relationship with respective Risk Management partner(s) and establishing a communication and feedback process for credit presentations

Maintaining a solid client relationship on assigned client base, keeping an awareness of the affairs of clients, ensuring administration of the accounts is timely (reviews) and a comprehensive database of activities is maintained

Ensuring requirements and any contingent conditions, such as Know Your Customer (KYC), have been satisfied before facilitating the disbursement process.

Resolving any client inquiries and/or escalating them to the District Director as required.

Contribute to the development and execution of the business plan to achieve target objectives and ensure progress is made towards maximizing the potential business from existing clients and new prospects within an assigned market area by:

Developing and maintaining a regular sales call program with clients to ensure effective

management, retention, and expansion of each relationship with client primacy.

Establishing and maintaining solid relationships with mid market industrial and commercial companies (prospects) and key business referral sources (COIs) in the assigned market area

Maintaining a current and thorough knowledge of Roynat Capital’s specialized product offerings

including:
Term debt, Subordinated debt, Mezzanine financing, and Equity, , which will enable the

incumbent to effectively promote tailored presentation packages to meet specific client needs

Maintaining a comprehensive record of call activities and business development activities on the client relationship management (CRM) system

Identifying opportunities to refer clients/prospects to Scotiabank partners and/or participate in joint calls as appropriate

Ensuring a Client Planner is completed for all new clients, and existing clients at the time of annualreview.

Contributing to the Operational Excellence of the District Office by:

Abiding by the bank’s Guidelines of Business Conduct, AML policy, Security and Investigations policy,

Enhanced Due Diligence policy, Know Your Client (KYC) policy, Internet and E-Mail conduct policy

guidelines, regulations and procedures

Ensuring all expenses are reconciled and submitted in a timely manner

Ensuring all reporting and correspondences are completed accurately and promptly

Contributing to District Office productivity and self development by:

Maintaining a solid knowledge of Roynat products, services, processes and procedures

Maintaining a good knowledge of other products and services offered by Scotiabank to support the

identification of cross-sell/referral opportunities (i.e. Foreign Exchange, Swaps, Global Transaction

Banking (GTB), Wealth Management, etc.)Continually increasing credit writing skills, deal structuring skills and other sales excellence behaviours;

Ensuring all reporting and correspondence are completed accurately and promptly

Completing other duties as assigned by the District Director/District Manager

Understand how the Bank’s risk appetite and risk culture…