Health Care & Professional Specialist - Province of Québec

Title: Health Care & Professional Specialist - Province of Québec

Requisition ID: 215580

Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture.

The Healthcare and Professional Specialist is part of a national team responsible for leveraging their expertise for the profitable growth of new high value customers, healthcare and professional customers. He/she acquires new healthcare and professional customer relationships through involvement in industry events and relationships with local Professionals, COI’s serving the segment, Scotiabank Partners and Professional Associations with a footprint in the local market, while retaining and expanding existing ones, as well as from Retail and other internal partners. He/she is responsible for 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 customer service, operational effectiveness and personal development.

What you will be doing...

• Manage and grow a business banking portfolio of existing and new high value healthcare and professional customers, Centers of Influence and professional associations by:
  • Developing and maintaining knowledge of assigned healthcare and professional customers including the nature and progress of their business, their financial position, and the terms and conditions of financial services used.
  • Providing specialized healthcare and professional customers expertise and business/finance advice which increases the business owner's ability to succeed in their business.
  • Developing and maintaining business relationships with Centres of Influence (COI) including influential customers, internal and external referral sources.
  • Responding to requests for service, instructing and guiding customers in service use and confirming their satisfaction with the service.
  • Taking steps to recover customer relationships, when required.
• Acquire new healthcare and professional business owner relationships and expand existing ones by:
  • Planning and completing relationship building activities which create sales opportunities and/or provide value to customers.
  • Identifying prospects using multiple channels including asking for referrals from existing customers and collaboration with Scotiabank partners and COIs.
  • Discovering business and personal banking needs/preferences on both sides of the customer's balance sheet.
  • Proactively collaborating with Branch Managers and Wealth Management Consultants to ensure a Total Solutions approach is provided to each new and existing healthcare and professional customer.
  • Assisting and advising Scotiabank partners in marketing, structuring and closing certain healthcare and professional deals with existing Branch customers.
  • Responding to requests for business banking solutions by collecting relevant information, processing the requests, and conducting due diligence as applicable.
  • Negotiating compensation for financial products and services, as applicable and in accordance with Bank policy.
  • Informing the customer of what to expect and when the service is set up for their use, providing necessary set up instructions where appropriate.
• Manage an assigned credit portfolio by:
  • Working closely with the SPP Solutions Managers/ACE when processing deals.
  • Leveraging experience & consulting with Regional SPP Specialists, as required.
  • Completing credit reviews in a timely and sufficiently detailed fashion.
  • Authorizing, renewing or declining customer requests within standard Bank policies and authorized limits.
  • Preparing and/or ensuring all documentation is properly completed.
  • Ensuring accounts adhere to the conditions of authorization.
  • Identifying and resolving deviations from the conditions of authorization.
  • Identifying deteriorating and/or unsatisfactory trends affecting the loan portfolio.
• Contribute to Specialty Business Banking’s overall financial and non-financial objectives by:
  • Developing an understanding of the branch financial and non-financial goals.
  • Negotiating aggressive yet achievable financial and non-financial goals.
  • Participating in team meetings and skill-building sessions.
  • Adhering strictly to Bank and Branch security procedures and reporting any unusual occurrences.
  • Ensuring compliance with regulatory activities and guidelines.
• 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 while ensuring adherence to business controls.
• Champion a high performance environment and contribute to an inclusive work environment.

What you need to succeed...

• At least 2 years of experience in corporate banking and relationship management.
• Basic university/college courses in accounting, finance, business law, and economics, or equivalent work experience.
• Expert knowledge of the features and benefits of Small Business products and services.
• Expert knowledge of the specialist’s marketplace, proven expertise in the healthcare and professional segment.
• Expert knowledge of applicable software and technology platforms for Small Business.
• Thorough knowledge of applicable risk management policies and processes.
• Thorough knowledge of legal and security documentation for small business products.
• Thorough knowledge of interviewing, solicitation, marketing and business development techniques.
• Thorough knowledge of applicable branch procedures, processes and workflows.
• Thorough knowledge of small business legal structures and owner characteristics.
• Thorough knowledge of business financial statements, especially in the healthcare and professional segments.
• Working knowledge of the features and benefits of retail products and services.
• Working knowledge of other business line/partner offerings.
• Working knowledge of competitor offerings and alternate sources of financing.
• Working knowledge of economic conditions affecting businesses in the professional/healthcare segment.
• The ability to build and maintain key relationships is essential, along with the ability to influence and persuade others.

Pursuant to a language needs assessment conducted by Scotiabank, the successful candidate will be required to be able to communicate in English & French.

Location(s): Canada : Quebec : Montreal || Canada : Quebec : Laurentides || Canada : Quebec : Laval || Canada : Quebec : Quebec || Canada : Quebec : Sherbrooke

Scotiabank is a leading bank in the Americas. Guided by our purpose: "for every future", we help our customers achieve success through a broad range of advice, products and services.

At Scotiabank, 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. If you require accommodation during the recruitment and selection process, please let our Recruitment team know. Candidates must apply directly online to be considered for this role. We thank all applicants for their interest in a career at Scotiabank; however, only those candidates who are selected for an interview will be contacted.