Associate

Job Overview

The Associate Director manages a commercial lending portfolio and supports the origination of new clients, and coordinates with other products as an integral part of a larger coverage team that maintains strong client relationships.  Facilitates growth initiatives for the Bank through significant business development and excellent management of key client relationships by cross selling other products (e.g., derivatives, cash management & corporate cards, subordinated debt and equity, leasing, trade finance products, etc.).

Job Description:

• Analyze financial information, agencies rating reports and other related materials.
• Provide accurate financial analysis and risk assessment of new and existing customers.
• Prepares credit recommendations regarding risk, deal structure, and client requirements by analyzing financial and operational data of new and existing clients.
• Directly manages the annual review process, interim reviews, specified quarterly reports and resolution of exceptions.
• Manages the risk of the assigned complex portfolio in a timely and precise manner.
• Leads and executes business development plans for clients.
• Acts as a key contact to clients on credit related questions and develop strong relationship with clients.
• Provides research and data gathering to facilitate solution to the client’s/prospect’s business and needs.
• Participates in sales activities such as pitch preparation, client research, preparation of prospect and client files for further action.
• Coordinates service administration and processing ensuring client experience is seamless and opportunities are identified and met.
• Makes recommendations to senior leaders on strategy and new initiatives, based on an in-depth understanding of the business/group.
• Conducts independent analysis and assessment to resolve strategic issues.
• Maintains accurate documentation and ensure adherence to prescribed policies and procedures and overall safety of the Bank’s position.
• Applies expertise and thinks creatively to address unique or ambiguous situations and to find solutions to problems that can be complex and non-routine.
• Broader work or accountabilities may be assigned as needed.

Qualifications:

• Master or MBA degree (finance, accounting, economics, or related field) with a strong academic achievement with 1-3 years of relevant experience or an undergraduate degree with 3-5 years of relevant experience.
• A CPA, CBV, CFA or other relevant professional designation or advanced degree, ongoing or completed, is an asset.
• Well developed analytical and quantitative skills with a focus on financial and accounting analysis, as well as data and statistical analysis.
• Strong computer literacy and technical skills as it relates to Microsoft Office applications (Excel, Word, PowerPoint).
• Excellent verbal & written communication skills.
• Excellent collaboration & team skills.
• Negotiations skills with both clients and legal counsel.
• Strong organizational and collaboration skills with the ability to prioritize work and manage multiple tasks while meeting time sensitive deadlines.