Join the Global Community of Scotiabankers to help customers become better off. Job Purpose: Under the direction of the Director Execution, Commercial Automotive National Accounts, contributes to the profitable growth and quality of the Bank’s National Commercial Automotive 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 within Canada, ensuring business strategies, plans and initiatives are supported in compliance with governing regulations, internal policies and procedures. The Associate Director, Execution will oversee the credit underwriting of a portfolio of Commercial Automotive National Accounts and also assist the Director, Execution on complex transactions in order to efficiently maximize service standards and execution of all Commercial Automotive National Accounts customers covered by the team. Key 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 Automotive National Accounts business by: Participating in the timely analysis, structuring and preparation of credit/financial solutions proposals under the guidance of the Director, Execution, Commercial Automotive National Accounts Providing prompt and sound recommendations in the structuring, pricing, due diligence, analysis and presentation of credit proposals; Proactively managing relationships and interactions with Global Risk Management partners to ensure timely adjudication of customer requests In consultation with the Senior Relationship Manager and/or Director Sales, recommend pricing for loans and credit-related fees that yields a return commensurate with risk and due regard to profit (including combined Retail+Commercial), 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 & Markets and Global Wealth Management. Ensures the accurate communication of the terms and conditions of an authorization and contributes to the effective and timely closing of authorized transactions by: Writing or reviewing credit 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; Vetting security documentation required to close loan transactions and promptly and effectively addressing issues surrounding the adequacy, quality and completeness of loan documentation and security; Conducting and/or assisting the team in a detailed evaluation of all information received for analysis of closing conditions, and reporting deficiencies or findings to senior management; Executing and effectively addressing issues surrounding the adequacy, quality and completeness of loan documentation and security; Liaising with the client, as required, to ensure the accurate execution and delivery of documentation prior to disbursement of funds. Work location: The incumbent will work from the Ontario Dealer Finance Center located in Hamilton. Functional Competencies: Strong credit skills and significant credit experience Strong assessment and analysis skills Strong accounting and financial analysis skills Good deal structuring skills Good understanding of customer profitability model Ability to build solid business case justification for deals Good negotiation skills Good interpersonal and teamwork skills Good communication skills (oral & written) Good sales/closing skills Good product knowledge Good industry knowledge with areas of specialization where required Strong financial modelling and computer skills including Excel Experience/Education: Graduate/undergraduate degree in business or economics or equivalency As Canada’s International Bank, we are a leader when it comes to inclusion. We are a diverse and global team, speaking more than 100 languages with backgrounds from more than 120 countries. 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. Candidates selected for an interview will be contacted directly. If you require accommodation during the recruitment and selection process, please let us know. We will work with you to provide as seamless a recruitment experience as possible.