Chargé(e) du développement des affaires

Job title: Chargé(e) du développement des affaires

About the Role The successful candidate will join Roynat Capital, a wholly owned subsidiary of Scotiabank, and be responsible for creating business development opportunities and managing the assigned portfolio. The role focuses on achieving performance across the four quadrants of the balanced scorecard: Financial Results, Clientele, Operations and Human Resources, through activities with current and potential clients, centers of influence and referrals from the Bank's partners. The incumbent will also manage the portfolio and drive growth while ensuring prudent credit risk management.

What You'll Do

• Manage the assigned loan portfolio to maintain an acceptable risk level and to generate the expected return, including preparing and validating complete credit requests and performing related due diligence in line with Roynat policies.
• Exercise sound credit judgment through rigorous analysis and due diligence.
• Monitor all accounts to ensure compliance with credit authorizations; review financial statements when due; identify deterioration and participate in resolution of problem loans as needed.
• Develop strong professional relationships with Risk Management partners and establish a clear communication/feedback process for credit requests.
• Maintain good client relationships, stay informed of client activities, ensure timely account administration and keep complete client records.
• Ensure Know Your Customer (KYC) and other conditional requirements are met before disbursement.
• Respond to client requests or escalate to the District Manager as required.
• Contribute to the development and execution of the business plan to meet performance targets and maximize potential opportunities with current and prospective clients in the assigned market.
• Build and maintain regular business development activity via client calls to manage, maintain and deepen each relationship; identify cross-sell opportunities.
• Cultivate relationships with mid-market industrial/commercial clients and Centers of Influence within the assigned market.
• Maintain in-depth knowledge of Roynat Capital's products (term loans, subordinated debt, mezzanine financing and equity) to tailor solutions for clients' needs.
• Keep detailed CRM records of business development activities.
• Identify opportunities to refer clients to Scotiabank partners or participate in joint calls, as applicable.
• Ensure Client Planning is completed for all new and existing clients at annual reviews.
• Contribute to district office operational excellence by adhering to ethics, AML, security and investigations, enhanced due diligence, KYC, Internet/Email Code of Ethics and Bank policies and procedures.
• Support expense reconciliation and timely submission of reports and correspondence.
• Contribute to district office productivity and your own professional development: deepen product/service/process knowledge and explore cross-sales opportunities; continually improve credit-reporting and contract structuring skills; ensure timely execution of reports and correspondence.
• Performs other duties as assigned by the District Director.

What We're Looking For

• Knowledge of Roynat Capital's product suite (term loans, subordinated debt, mezzanine financing and equity) and ability to propose tailored packages.
• Sound credit judgment and rigorous analysis, with a disciplined due diligence approach.
• Proven ability to build and maintain client relationships and develop business opportunities within an assigned market.
• Ability to collaborate with Risk Management and cross-functional teams, and to coordinate with partners across the Bank.
• Proficiency with CRM systems and thorough record-keeping of development activities.
• Familiarity with KYC/AML requirements and compliance standards; commitment to ethical conduct and regulatory requirements.
• Strong communication, organizational and multitasking skills; orientation toward sales and results.