Job Description

Requisition ID: 237517



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



The incumbent will review and, depending on the type and overall risk rating of the Borrower and real estate project in question, adjudicate credit submissions primarily focused on all asset classes of real estate including construction, Income Property Loans and working capital facilities included in both the Bank's Commercial and Corporate Loan Portfolios.

Is this role right for you? In this role, you will:

Liaise and maintain strong working relationship with real estate banking offices. The portfolio's primary focus is the real estate industry. Review pertinent financial and industry information and perform in depth risk assessment of incoming credit applications. Provide recommendations to senior executives and participate in discussions at Senior Credit Committees. Adjudicate/authorize real estate loans within assigned lending limit, including amendments to improve credit structure, as necessary. Review and, where appropriate, authorize loan documentation completed by banking offices and the preparation of authorizations to communicate the terms and conditions of the transaction. Develop a high degree of industry knowledge/expertise and ensure the ongoing quality of the credit portfolio through the review of industry publications, the assessment of monthly/quarterly financial reporting packages, and discussions with applicable banking officers.

Do you have the skills that will enable you to succeed in this role? We'd love to work with you if you have:

Excellent verbal and written communication skills. Strong analytical and computer skills. Full understanding of financial statements, accounting principles and policies among Canada/U.S. jurisdictions. Full understanding of the various credit lines and their purposes. Ability to make sound decisions and appropriate recommendations to senior/executive management and effectively support those recommendations. Ability to keep up-to-date with new product lines as they are introduced to the market place. Demonstrated ability to keep abreast of the various market/legal/accounting/regulatory systems affecting provinces/states which fall within their portfolio. Excellent time management skills, including ability to work well under pressure and constantly adjust priorities. MBA, CFA degree, C.A. designation and/or previous credit and/or banking experience Proficiency in Excel application is an asset.

What's in it for you?

We have an inclusive and collaborative work environment that values curiosity & ownership, encourages pragmatic creativity (i.e. true innovation), and celebrates success! An inclusive working environment that encourages creativity, curiosity, and celebrates success! A rewarding career path with diverse opportunities for professional development Internal training to support your growth and enhance your skills A competitive rewards package that includes a base salary, a performance bonus, company matching programs on pension and profit sharing, paid vacation, personal & sick days, medical, vision and dental benefits that start from day one and much more!


Location(s): Canada : Ontario : Toronto



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. 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.