Associate Director, Execution

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Requisition

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

Purpose

Contributes to the profitable growth and quality of the Bank’s Commercial Credit portfolio by performing financial solutions-related activities for clients including risk analysis, deal structuring, pricing, negotiation and presentation on complex deals, across the National Accounts segment while ensuring business strategies, plans and initiatives are supported in compliance with governing regulations, internal policies and procedures.

The Associate Director, Execution will oversee the credit underwriting of a portfolio of National Accounts on complex transactions in order to efficiently maximize service standards and execution of all National Accounts customers covered by the team.

Accountabilities:

• Leads and drives a customer focused culture throughout their team to deepen client relationships and leverage broader Bank relationships, systems and knowledge.
• Contributes to the profitable development of Commercial Credit business by:
• Participating in the timely analysis, structuring and preparation of credit/financial solutions proposals for a dedicated portfolio of connections, generally above $25MM, through the gathering, analysis and consolidation of large volumes of information into credit applications in preparation for adjudication, under the guidance of the Director and Head, National Accounts.
• Providing prompt and sound recommendations in the structuring, pricing, due diligence, analysis and presentation of credit proposals.
• Recommending pricing for loans and credit-related fees that yields a return commensurate with risk and due regard to profit, administration and competitive considerations Synthesizing information from various sources and recommending alternative terms, conditions and covenants to provide a viable banking proposal to the client within sound credit lending practices.
• Restructuring marginal proposals into bankable deals where possible.
• Analyze client business cases and proposals for reasonability.
• Interfacing with clients and prospects, when requested, as part of the team.
• Identifying and recommending referral and cross-sell opportunities to team members, other Commercial Banking groups and/or to bank partners including Global Banking & Markets and Global Wealth Management.
• Ensures the accurate communication of the terms and conditions of an authorization and contributes to the effective and timely closing of authorized transactions by:
  • Writing or reviewing credit authorizations to ensure accuracy, completeness and clarity.
  • Ensuring prompt follow-up for acceptance of the authorization and reacting swiftly to any problems, amendments, extensions, reporting to senior management where necessary.
  • Vetting security documentation required to close loan transactions and promptly and effectively addressing issues surrounding the adequacy, quality and completeness of loan documentation and security.
  • Conducting and/or assisting the team in a detailed evaluation of all information received for analysis of closing conditions, and reporting deficiencies or findings to senior management.
  • Executing and effectively addressing issues surrounding the adequacy, quality and completeness of loan documentation and security.
  • Liaising with the client, as required, to ensure the accurate execution and delivery of documentation prior to disbursement of funds.
• Ensure the ongoing quality of the assigned credit portfolio through control and administration of the specific conditions and reporting requirements, as specified in individual authorizations are adhered to by:
  • Conducting a detailed evaluation of all information received, reporting deficiencies or any negative findings to senior management.
  • Ensuring early identification of problem loans and ensuring the accuracy of risk ratings through identification of changes in account quality via review of industry/economic trends.
  • Advising senior management of any credit weaknesses developing within individual accounts, by ongoing awareness and analysis of relevant financial, legal, political,…