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credit manager

Title posted on CareerBeacon - Senior Credit Solutions Manager, Canadian Commercial Banking

Posted on June 19, 2025 by Employer details Scotiabank

Job details

Requisition ID: 228828Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture. Senior Credit Solutions Manager, Canadian Commercial Banking - London, Waterloo OR Windsor, Ontario PurposeThe Senior Credit Solutions Manager (Sr. CSM) is responsible for contributing to the profitable growth and quality of the Bank's Corporate &amp; Commercial Credit portfolio by performing financial solutions-related activities for clients including risk analysis, deal structuring, pricing, negotiation and presentation on complex deals in concert with the Senior Client Relationship Manager. The Senior Credit Solutions Manager is responsible for all deal structuring, negotiation and final decisions on pricing within his/her defined portfolio. The incumbent interfaces directly with clients at times, in partnership with the Senior Client Relationship Manager. The Senior Credit Solutions Manager liaises with Credit / Global Risk Management through the credit decision-making process and ensures all activities are conducted in compliance with governing regulations, internal policies and procedures.Accountabilities: Champions a customer focused culture to deepen client relationships and leverage broader Bank relationships, systems and knowledge.Contributes to the profitable development of Commercial Credit business by:? Ensuring the timely analysis, structure and presentation of credit / financial solutions proposals within prescribed segment;? Providing prompt and sound recommendations in the analysis and adjudication of credit proposals;? Ensuring that writings to the Senior Client Relationship Manager(s) clearly convey the rationale for decisions, so that they may respond effectively to clients;? Approving or recommending pricing for loans and credit-related fees which yield a return commensurate with risk and due regard to profit, administration and competitive considerations;? 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;? Providing guidance, coaching and counsel to Client Relationship Manager(s), so that they may better serve clients' needs.? Liaising with the Business Service Centre for fulfilment (including documentation, liaison with 3rd parties, security registration) and all service activities;? Liaising with Client Portfolio Management for compliance monitoring and reporting actions as required;Ensures the accurate communication of the terms and conditions of an authorization and supervises the effective and timely implementation of same by:? Writing or reviewing all written 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;? Promptly and effectively addressing issues surrounding the adequacy, quality and completeness of loan documentation and security;? Liaise to ensure any required changes to the Senior Client Relationship Manager(s) and follow-up for the accurate execution and delivery of same 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:? Advising senior management of any credit weaknesses developing within individual accounts, by ongoing awareness and analysis of relevant financial, legal, political, technological, and industry information.? Adhere to any regulatory and internal Bank policies and requirements;? Maintaining adherence to the Bank's Anti-Money Laundering program and Guidelines for Business Conduct, by reporting any unusual occurrences or fraudulent activities per established procedures.Safeguards the Bank's assets and liabilities by:?