Requisition ID: 106405Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture.Join the Global Community of Scotia bankers to help customers become better off.The Associate Director 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. As well ensuring business strategies, plans and initiatives are supported in compliance with governing regulations, internal policies and procedures.The Associate Director 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.Is this role right for you? You will lead and drive a customer focused culture throughout the team to deepen client relationships and leverage broader Bank relationships, systems and knowledge.You will contribute 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.Recommend 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 and Markets and Global Wealth Management.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.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.Do you have the skills that will enable you to succeed in this role? We’d love to work with you if:As the Associate Director, National Accounts you must have a good knowledge of the Bank-s lending policies, practices and procedures, as well as an awareness of business trends, economic, technological, social, legal and political conditions and factors affecting credit risk.You will need a solid knowledge and understanding of financial statements and accounting principles and policies, is a must.Possess effective communication skills, both written and oral. In the administration of credit, complex loan documentation (e.G. loan agreements) and security provision requirements must be understood and applied.You need to be a highly organized, analytical and logical person.Good credit skills and significant credit experience.Strong assessment and analysis skills with a superior accounting and financial analysis skills.Good deal structuring skills.Good understanding of customer profitability model.The ability to build solid business case justification for deals.Good negotiation skills.Good interpersonal and teamwork skills with the combination of strong communication skills (oral & written).Industry knowledge with areas of specialization, where required.Strong financial modelling and computer skills including Excel.Graduate/undergraduate degree in business or economics or equivalency.What’s in it for you? This is your opportunity to ensure the accurate communication of the terms and conditions of an authorization and contributes to the effective and timely closing of authorized transactions within the National Accounts team.To writing and/or review credit authorizations to ensure accuracy, completeness and clarity.For you to show off your prompt follow-up for acceptance of the authorization and reacting swiftly to any problems, amendments, extensions, reporting to senior management, where necessary.To be able to advise senior management of any credit weaknesses developing within individual accounts, by ongoing awareness and analysis of relevant financial, legal, political, technological, and industry information.This is the opportunity for you to create an environment in which the team pursues effective and efficient operations for the respective areas, while ensuring the adequacy, adherence to and effectiveness of day-to-day business controls to meet obligations with respect to operational risk, regulatory compliance risk, AML/ATF risk and conduct risk, including but not limited to responsibilities under the Operational Risk Management Framework, Regulatory Compliance Risk Management Framework, AML/ATF Global Handbook and the Guidelines for Business Conduct.You will contribute to a high-performance environment and implement a people strategy that attracts, retains, develops and motivates the team. Fostering an inclusive work environment; communicating vision/values/business strategy and managing succession and development planning for the team.Working Conditions:Work in a standard office-based environment; non-standard hours are a common occurrence. Frequent travel primarily domestically.#IN-CBLocation(s): Canada : Alberta : CalgaryScotiabank 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, please click here. 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.