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Title: Senior Credit Solutions Associate, Canadian Commercial Banking (Toronto)

Requisition ID: 277161
Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture.

Join a winning team at Scotiabank Are you enthusiastic about making an impact for Canadian businesses? In Canadian Commercial Banking, we do not just serve businesses - we serve possibilities.

About the Opportunity

As a Senior Credit Solutions Associate, Commercial Banking, you will provide credit support to Senior Credit Solutions Managers (SCSMs) throughout the credit adjudication process within Commercial Distribution. You will contribute to the profitable growth and credit quality of the portfolio by preparing, analyzing, and monitoring credit applications and supporting more complex Core clients.

This role is designed to provide meaningful exposure to larger and more complex credit deals while building the knowledge and experience needed to progress toward a Senior Credit Solutions Manager role. You will support approximately 2-3 SCSMs in the region and work closely with internal partners and, as needed, clients and external professionals.

How You Will Make an Impact:

- Support SCSMs with financial statement spreading, credit summaries, projections, borrowing bases, and ongoing portfolio monitoring.
- Assess the financial health, creditworthiness, and risk profile of borrowers and identify potential risks and opportunities.
- Prepare credit presentations, approval packages, reports, and recommendations for larger and more complex Core client relationships.
- Review portfolio results, identify signs of deterioration, elevate concerns appropriately, and ensure relevant systems are kept current.
- Maintain complete and accurate client files and documentation across applicable credit and tracking systems.
- Partner with Senior Relationship Managers and SCSMs to understand client needs and help develop tailored credit solutions.
- Engage with clients as needed to gather information and support credit-related activities.
- Participate in deal forums and support engagement with Global Risk Management where appropriate.
- Collaborate with partners including the Business Service Center, Enhanced Due Diligence Unit, CRA, Global Banking and Markets, Global Risk Management, and the Commercial Banking Executive Office.
- Apply the Bank's risk appetite and risk culture in day-to-day activities and decisions while maintaining strong operational, compliance, AML/ATF/sanctions, and conduct risk controls.
- Champion a customer-focused, high-performance, and inclusive culture that deepens client relationships and leverages broader Bank relationships, systems, and knowledge.

What You will Bring to the Team:

You are an analytical, organized, and collaborative credit professional who can manage significant volumes of information, balance competing priorities, and deliver high-quality work in a fast-paced environment. You bring sound judgment, strong attention to detail, a commitment to client service, and the confidence to resolve issues while recognizing when escalation is required.

Must-have

- Education: University degree in finance, economics, business administration, or a related field, or equivalent work experience.
- Experience: 1-2 years of experience in Commercial Banking.
- Previous experience in credit underwriting or credit document preparation.
- Strong knowledge of financial statements, credit analysis, preliminary risk assessment, and drawing sound conclusions.
- Strong knowledge of credit structures and applicable risk management principles.
- Strong analytical, organizational, and problem-solving skills.
- Advanced attention to detail and the ability to manage multiple priorities and time-sensitive requests.
- Strong commitment to excellent client service and the ability to work with clients to resolve issues promptly and professionally.
- Positive oral and written communication skills and effective interpersonal skills.
- Good Microsoft Office and credit-system skills.
- A team-focused, positive attitude and willingness to learn.

Nice-to-have

- Knowledge of the Bank's lending policies, practices, and procedures.
- Knowledge of the Commercial Banking industry and the Bank's commercial products and services.
- Knowledge of or experience with Credit Lens.
- Knowledge of fulfilment processes and the roles of internal partners.
- Experience supporting moderately complex or highly customized borrowing relationships.

What’s in it for You?

When you join the bank, you are not just taking a job, you’re becoming part

📌 Senior Credit Solutions Associate, Canadian Commercial Banking (Toronto)
🏢 Scotiabank
📍 Toronto