Sr. Credit Solutions Associate / Credit Solutions Associate, Commercial Banking (various offices) Requisition ID: 237317 Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture. **Senior Credit Solutions Associate / Credit Solutions Associate, Canadian Commercial Banking (Mississauga, Toronto or Vaughan office locations)** The Senior Credit Solutions Associate will work with the Senior Credit Solution Manager with the preparation, analysis, and monitoring of credit applications and portfolios. The ideal candidate will have a strong understanding of credit principles, excellent analytical skills, and the ability to work collaboratively in a fast-paced environment. The role is specific to supporting more complex Core clients and is intended to provide deal exposure and development for a Senior Credit Solutions Manager role. As the Senior Credit Solutions Associate you will contribute to the overall success of the Commercial Distribution team their respective in Department/Region ensuring specific individual goals, plans, initiatives are executed/delivered in support of the team’s business strategies and objectives; ensures all activities conducted are in compliance with governing regulations, internal policies and procedures. **Note:** Applicant experience will be considered for both the Senior Credit Solutions Associate and/or Credit Solutions Associate role. **Is this role right for you? In this role, you will:** • Champion a customer focused culture to deepen client relationships and leverage broader Bank relationships, systems and knowledge. • Perform credit tasks for core clients supporting Senior Credit Solutions Managers. • Support approximately 2-3 Senior Credit Solutions Managers (SCSM), in the region, on the most complex Core clients. Reporting to the Team Lead, Credit. • Service clients in Canada and generally within the same region although they could have operations across the country as well as in international locations. These clients will be both borrowing (+$5MM with some clients up to $25MM) and non-borrowing. Credits of the higher complexity and/or highly customized borrowing Core relationships, with credit authorizations typically +$10MM. **Do you have the skills that will enable you to succeed in this role?** • You have proven experience in preparing Financial Statement spreading, credit summaries, Projections and Borrowing bases, review results, escalate any signs of deterioration and update appropriate systems. • Experience analyzing financial statements, credit reports, and other relevant documentation to identify potential risks and opportunities. • Proven preparation of credit presentations and packages. • One to two years’ experience in Commercial Banking. • Previous experience in credit underwriting or credit document preparation. • Strong knowledge of financial statements and credit analysis, preliminary assessment of risk, and drawing conclusions. • Strong Knowledge of credit structures and applicable risk management. **What's in it for you?** • Opportunity to work closely with both Senior Client Relationship Managers (SCRM) and Senior Credit Solutions Managers (SCSM) to understand client needs and develop tailored credit solutions. • Participate in deal forums to socialize deals with GRM where appropriate. • Champion a high-performance environment and contributes to an inclusive work environment. • Will interact with SCSM on credit-related activities and support other partners such as: Business Service Center, Enhanced Due Diligence Unit, CRA and Global Banking and Markets and could have some interaction with Global Risk Management and other partners as well as the Commercial Banking Executive Office. • Interact with external parties such as Solicitors, Accountants and Professional Service Providers. • Ability to resolve issues and problems. • Add to your knowledge of the Commercial industry. • Add to your commitment to excellent client service and ability to work with clients to resolve issues in an amicable and prompt manner. • Support the SCSM with detailed credit reports and recommendations for credit approval or denial. **Working Conditions:** • Works in a standard office environment; non-standard hours are a common occurrence. Location(s): Canada : Ontario : Toronto || Canada : Ontario : Mississauga || Canada : Ontario : Vaughan Scotiabank is a leading bank in the Americas. Guided by our purpose: "for every future", we help our customers, their families and their communities achieve success through a broad range of advice, products and services, including personal and commercial banking, wealth management and private banking, corporate and investment banking, and capital markets. 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. If you require technical assistance, pleaseclick here (https://www.scotiabank.com/careers/en/careers/technical-support-for-applicants.html) . Candidates must apply directly online to be considered for this role. We thank all applicants for their interest in a career at Scotiabank; however, only those candidates who are selected for an interview will be contacted.