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director, accounting and financial control

Title posted on CareerBeacon - Associate Director, Commercial Real Estate Banking - Toronto

Posted on June 17, 2025 by Employer details Scotiabank

Job details

Requisition ID: 228536Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture. PurposeContributes to the overall success of the Commercial Real Estate Banking team, 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. The Associate Director is responsible for contributing to the overall success of Real Estate Banking by meeting his/her team financial and non-financial metrics and supporting the Director with the management of a portfolio of accounts.Negotiated goals and objectives include:Team Financial objectives that consist of new loan acceptances, asset, revenue and deposit growth, new customer acquisition, and referrals to other departments within the Bank...Non-financial objectives that consist of customer service, operational effectiveness and personal development.Managing a portfolio of accounts includes:Providing customized and creative financial solutions to satisfy clients needs and delivering a consistent customer service experience.Maintaining credit quality and profitability of customer relationships.Monitoring all accounts to ensure the Bank's security position remains within guidelines, all conditions are met, and timely action has been taken with sundry maintenance items such as maturity dates and annual reviews. Accountabilities:Champions a customer focused culture to deepen client relationships and leverage broader Bank relationships, systems and knowledge.Contributes to the development and profitable growth of the real estate portfolio by:Preparing credit applications, annual reviews, client communication, in support of income property lending on multi-unit residential and commercial properties, and construction financing to builders and developers.Preparing credit presentations that are concisely written and structured in accordance with Bank standards and completed in a timely fashion.Performing due diligence in evaluating information to ensure the major issues and inherent risks that are critical to a sound credit decision have been identified and material facts verified.Properly evaluating risk by thoroughly considering the strengths of and major issues relating to the project, the experience and worth of the proponent, and cash flow and asset cover (including alternate sources of repayment).Provides effective account management and safeguard the Bank's assets and liabilities by:Acquiring and maintain a sound knowledge of the Bank's policies and procedures.Ensuring all compliance policies are followed including the Bank's KYC guidelines.Following the Bank's AML program and Guidelines for Business Conduct.Remaining well informed on business conditions and the real estate industry generally.Being decisive by fully understanding the credit transaction, including the risk involved, and making clear and independent recommendations on all credit applications or loan actions.Recognizing problem accounts at an early stage and taking appropriate action to protect the Bank's interest by implementing an action plan to correct the situation or exit the loan as appropriate.Ensuring customer defects for both business and collateral documentation are kept to a minimum, and promptly taking action to correct or resolve any defects identified.Tracking and responding quickly to navigate trends identified, including the re-assessment of IG code ratings as appropriate.Delivers a consistent customer service experience by:Acquiring and maintain a sound knowledge of the Bank's products and services.Actively seeking customer feedback on Bank products and the delivery of customer service.Ensuring high service standards are maintained, including meeting deadlines on customer requests.Having a sound knowledge and understanding of the Borrower's past performance and the variables that will i