Credit Card Jobs in Quebec (NOW HIRING)

Requisition ID: 260248

Roynat Capital, a wholly owned subsidiary of Scotiabank, is a national lender and investor with expertise in providing innovative long-term capital solutions for mid-sized companies utilizing senior term, subordinated debt, as well as mezzanine capital and common share equity. We provide tailored solutions to clients for acquisitions, business expansions, wealth monetization, and working capital enhancement. With a national presence in Canada in major markets, Roynat assists growth-oriented companies in reaching their goals across a wide range of industries.

The Associate is responsible for creating business development opportunities by generating his/her personal goals related to all four quadrants of the Balanced Scorecard: Financial, Customer, Operational and People. Opportunities are generated from existing clients, prospects, COIs, referrals from Scotiabank partners and other key sources.

The incumbent is also responsible for managing and expanding an assigned portfolio of accounts. He/she monitors account performance; ensures regular contact with clients to deepen relationships, conduct applicable account reviews and implements payout prevention strategies as appropriate.

Is this role right for you? In this role, you will: 

• Manage and control assigned loan portfolio to ensure it is at an acceptable level of risk and generates an appropriate return by:
• Researching, preparing and verifying comprehensive credit applications that align with documented guidelines as set out in Roynat's guidelines and policies
• Exercising sound credit judgment based on thorough due diligence and analysis
• Monitoring all assigned accounts to ensure conformity to terms and conditions, as stipulated in
• credit authorizations with timely financial statement reviews
• Promptly identifying and resolving deteriorating credit quality and participating (as necessary) in the resolution of problem loan situations
• Developing a good working relationship with respective Risk Management partner(s) and establishing a communication and feedback process for credit presentations
• Maintaining a solid client relationship on assigned client base, keeping an awareness of the affairs of clients, ensuring administration of the accounts is timely (reviews) and a comprehensive database of activities is maintained
• Ensuring requirements and any contingent conditions, such as Know Your Customer (KYC), have been satisfied before facilitating the disbursement process.
• Resolving any client inquiries and/or escalating them to the District Director as required.
• Contribute to the development and execution of the business plan to achieve target objectives and ensure progress is made towards maximizing the potential business from existing clients and new prospects within an assigned market area by:
• Developing and maintaining a regular sales call program with clients to ensure effective
• management, retention, and expansion of each relationship with client primacy.
• Establishing and maintaining solid relationships with mid market industrial and commercial companies (prospects) and key business referral sources (COIs) in the assigned market area
• Maintaining a current and thorough knowledge of Roynat Capital's specialized product offerings
• including: Term debt, Subordinated debt, Mezzanine financing, and Equity, , which will enable the
• incumbent to effectively promote tailored presentation packages to meet specific client needs
• Maintaining a comprehensive record of call activities and business development activities on the client relationship management (CRM) system
• Identifying opportunities to refer clients/prospects to Scotiabank partners and/or participate in joint calls as appropriate
• Ensuring a Client Planner is completed for all new clients, and existing clients at the time of annualreview.
• Contributing to the Operational Excellence of the District Office by:
• Abiding by the bank's Guidelines of Business Conduct, AML policy, Security and Investigations policy,
• Enhanced Due Diligence policy, Know Your Client (KYC) policy, Internet and E-Mail conduct policy
• guidelines, regulations and procedures
• Ensuring all expenses are reconciled and submitted in a timely manner
• Ensuring all reporting and correspondences are completed accurately and promptly
• Contributing to District Office productivity and self development by:Maintaining a solid knowledge of Roynat products, services, processes and procedures
• Maintaining a good knowledge of other products and services offered by Scotiabank to support the
• identification of cross-sell/referral opportunities (i.e. Foreign Exchange, Swaps, Global Transaction
• Banking (GTB), Wealth Management, etc.)Continually increasing credit writing skills, deal structuring skills and other sales excellence behaviours;
• Ensuring all reporting and correspondence are completed accurately and promptly
• Completing other duties as assigned by the District Director/District Manager
• Understand how the Bank's risk appetite and risk culture should be considered in day-to-day activities and decisions.

Do you have the skills that will enable you to succeed in this role?  

• A University degree (undergraduate or graduate level) with a focus on Economics, Commerce,
• Finance and/or Accounting.
• A professional financial designation such as a CPA or CFA (e.g. CA, CMA, CFA) is desirable.
• 4-5 years of commercial banking experience or equivalent in a credit underwriting and/or financial services sales environment
• Responsible for completion of timely Annual Reviews, balloon renewals.
• Addressing client requests and concerns

In addition to French, the successful candidate must also have sufficient knowledge of English, as the work involves interacting and collaborating regularly with groups and individuals based in Toronto, as well as constantly interacting with other people, including clients, who speak English, locally and elsewhere.

 #CCBJobs2026 

Location(s): Canada : Quebec : Pointe-claire || Canada : Quebec : Montreal

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.