Associate Director, Credit Execution and Origination

**Purpose**
- Contributes to the overall success of the Credit Execution team in Singapore as well as the Origination business in India and globally ensuring specific individual goals, plans, initiatives are executed / delivered in support of the team’s business strategies and objectives. Ensures all activities conducted are in compliance with governing regulations, internal policies and procedures.
- The Associate Director Credit Execution is responsible for contributing to the profitable growth and quality of the bank’s credit portfolio through effective negotiation, structuring, and presentation of credit proposals and due execution of such proposals upon receipt of approvals from management in a manner consistent with service standards and procedures in support of the Bank's sales model.
- He/she also works closely with Relationship Managers at various regional units, as well as Industry Experts / Champions and Product Groups located within BNSAL such as Loan Syndications, Credit Capital Markets Group (CCG), the Derivative Products Group Asia (DPG) and other specialist product managers for any product offerings involving credit risk relating to customers under his / her care. He/she also has adhoc responsibility for coaching and mentoring other team members to help provide for their professional development. The incumbent maintains a strong and viable working relationship with GRM and the Relationship Managers at various units of the bank across Asia Pacific.

**Accountabilities**:

- Champions a customer focused culture to deepen client relationships and leverage broader Bank relationships, systems and knowledge.
- Promotes the development and profitable growth of the GBM portfolio in the assigned market, while following the Bank’s 3 tier strategy of Clients, Product and Geography.
- Understand how the Bank’s risk appetite and risk culture should be considered in day-to-day activities and decisions.
- Actively pursues effective and efficient operations of his/her respective areas in accordance with Scotiabank’s Values, its Code of Conduct and the Global Sales Principles, while ensuring the adequacy, adherence to and effectiveness of day-to-day business controls to meet obligations with respect to operational, compliance, AML/ATF/sanctions and conduct risk
- Provides leadership, guidance and training to direct reports (and other subordinates/colleagues on an ad hoc basis as requested by senior management) in keeping with the Bank’s credit standards, policies and procedures.
- Champions a high performance environment and contributes to an inclusive work environment

**Specific Accountabilities for Execution**
- In keeping with BNSAL’s business targets and goals, the incumbent contributes to the profitable development of corporate/commercial credit and other capital market and derivative businesses by providing sound financial analysis, deal memorandums / overviews and credit proposals on prospective new businesses to enable sound decision making by management / credit adjudicators.
- Contributes to the profitable development of the Corporate Banking business by:

- Provide timely analysis, structure and presentation of credit / financial solutions proposals within prescribed segment;
- Ensuring that writings to the Director / Associate Director(s), Origination clearly convey the rationale for decisions, so that they may respond effectively to clients;
- Prepares and/or reviews loan documentation for new credits and changes to existing credits as per the terms of credit approvals as well as for the applicability of appropriate legalities, negotiating with lawyers, agent banks and borrowers so as to ensure that the Bank's guidelines are adhered to and its’ interests under the general provisions of the credit documentation are adequately protected.
- Approving or recommending pricing for loans and credit-related fees which yield a return commensurate with risk and due regard to profit, administration and competitive considerations;
- 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;
- Ensures the accurate communication of the terms and conditions of an authorization and supervises the effective and timely implementation of same by:

- Writing or reviewing all written 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;
- Promptly and effectively addressing issues surrounding the adequacy, quality and completeness of loan documentation and security;
- Liaising to ensure any required changes to the Director / Associate Director, Origination and follow-up for the accurate execution and delivery of same prior to disbursement of funds;
- Ensure the ongo