Healthcare & Professional Specialist - Kelowna, BC

Scotiabank•Vancouver, BC

9h•Hybrid

About The Position

The Professional Banking Specialist is part of a national team responsible for delivering holistic advice and Business Banking solutions for the profitable growth of existing and new high value professional clients, with a focus on lawyer, accountant, and other non-healthcare professional segments. You will manage and grow a business banking portfolio by acquiring new professional customer relationships, and retain/expand existing relationships, through involvement in industry events and relationships with local Professionals, Centers of Influence (COI's) serving the segment, Internal Retail and other Scotiabank Partners, and Professional Associations with a footprint in the local market.

Requirements

Minimum 8 years previous experience in business banking financing, underwriting and relationship management
Post-secondary education in accounting, finance, business law, and economics, or equivalent work experience
Expert knowledge of the features and benefits of Business Banking products and services (e.g. Lending, Cash Management, Deposits, and Operating Accounts), selling approach, and adjudication principles
Advanced understanding of credit including thorough knowledge of business financial statements, legal and security documentation for business products
Thorough knowledge of features and benefits of Retail Banking products and services for professionals
Strong knowledge of marketplace and experience in the professional segment
Thorough knowledge of applicable risk management policies and processes
Extensive and proven knowledge of interviewing, solicitation, marketing, and business development techniques
Thorough knowledge of professional/small business legal structures, life cycles and owner characteristics
Working knowledge of other business line/partner offerings (i.e., Wealth Management, Commercial Banking, and Cash Management services), competitor offerings and alternate sources of financing
Working knowledge of economic conditions and political events affecting businesses, especially in the professional segment
The ability to build and maintain key relationships is essential, along with the ability to influence and persuade others.
The incumbent must possess tactical planning, implementation, and organization skills.
A high degree of flexibility is required to adapt to a wide variety of tasks and function

Responsibilities

Champion a client focused culture to deepen client relationships and leverage broader Bank relationships, systems, and knowledge
Manage and grow a business banking portfolio of existing and new high value professional clients, with the purpose of achieving objectives related to: asset, deposit and revenue growth; business development activities; retention and referrals; client satisfaction; operational effectiveness and personal development
Develop and maintain knowledge of assigned professional client portfolio including the nature and progress of their business, their financial position, and the terms and conditions of financial services used
Develop and maintain business relationships with internal partners, including retail, small business, commercial, and wealth to identify opportunities to acquire, grow and deepen client relationships
Manage an assigned client portfolio at an acceptable level of risk by working closely internal credit adjudication partners when processing deals, completing credit reviews in a timely and sufficiently detailed fashion, authorizing, renewing, or declining client requests within standard Bank policies and authorized limits, forwarding others as per established processes, preparing and/or ensuring all documentation is properly completed and accounts adhere to conditions of authorization, identifying and resolving deviations from the conditions of authorization, and identifying deteriorating and/or unsatisfactory trends affecting the loan portfolio, seizing opportunities to reduce risk and loss
Respond to client requests for service, instructing and guiding clients in service use and confirming their satisfaction with the service
Identify prospects and acquire clients using multiple channels including asking for referrals from existing clients, collaboration with internal partners and COIs, developing a network of community business contacts and participating in marketing/educational seminars and industry events
Discover business and personal banking needs/preferences on both sides of the client's balance sheet and engaging the right bankers to deliver holistic solutions
Respond to requests for retail/business banking solutions by collecting relevant information, processing the requests, and conducting due diligence as applicable
Inform the client of what to expect and when the service is set up for their use, providing necessary set up instructions where appropriate, and ensuring the set up occurs according to plan
Contribute to Business Banking’s overall financial and non-financial objectives by meeting assigned targets, which include asset, deposit and revenue growth, and business development activities, retention, and referral goals as well as other objectives related to client service, operational effectiveness, and personal development
Develop an understanding of the branch financial and non-financial goals and how to contribute to them
Participate in team meetings, skill-building sessions, and one-on-one coaching sessions
Adhere strictly to Bank and Branch security procedures and assigned authorities and responsibilities and reporting any unusual occurrences or fraudulent activity to your supervisor immediately
Understand how the Bank’s risk appetite and risk culture should be considered in day-to-day activities and decisions
Actively pursue effective and efficient operations of their 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
Champion a high-performance environment and contribute to an inclusive work environment