Credit Solutions Associate, Commercial Banking

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. The role is specific to the Growth Segment and the less complex Core clients in Commercial Banking Distribution. Responsibilities include working with internal partners and directly reaching out to clients to address activities such as collection, financial reporting, satisfaction of funding requirements, onboarding needs, and resolution of escalated client challenges.

• 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, review spread financial statements, projections, and borrowing bases, 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, policy, and guidelines.
• Stay up to date with changes in regulatory frameworks, internal processes, policy, guidelines, and industry best practices.

• College/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.
• Strong commitment to excellent client service and 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.
• Thorough knowledge of applicable software and technology platforms for Commercial (e.g., Salesforce, 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.

• Opportunity to join a forward‑thinking organization surrounded by a collaborative team of innovative thinkers.
• A rewarding career path with diverse opportunities for professional development.
• Competitive compensation and benefits package.
• Internal training to support career growth and enhance skills.
• Commitment to making a difference in our communities – for employees and customers.

Scotiabank is committed to creating and maintaining an inclusive and accessible environment for everyone. If you require accommodation (including an accessible interview site, alternate format documents, ASL interpreter, or assistive technology) during the recruitment and selection process, please let our Recruitment team know.