ASPIRE Commercial Banking - Credit - Winter 2027 Co-op / Internship - Toronto

About the role

Scotiabank’s Aspire Commercial Banking placement offers undergraduate students hands-on experience in credit, financial analysis, and lending decisions. Based in Toronto from January to August 2027, interns may support Mid-Market, National Accounts, Real Estate Banking, or Roynat Capital teams while developing analytical, communication, and professional judgment skills.

Placement Areas

• Mid-Market: Support research, company and industry analysis, financial analysis, and credit or business decisions for mid-sized businesses.
• National Accounts: Gain exposure to complex transactions, advanced credit analysis, and strategic considerations affecting major organizations.
• Real Estate Banking: Support commercial real estate transactions, project and portfolio analysis, credit adjudication, and financing decisions.
• Roynat Capital: Contribute to financial analysis, underwriting, investment summaries, risk mitigation, and portfolio management activities.

Responsibilities

• Support credit and relationship teams with research, financial analysis, and transaction-related activities.
• Analyze company performance, financial statements, industries, and market conditions to inform credit and business decisions.
• Contribute to credit submissions, underwriting requirements, investment summaries, and recommendations.
• Consider financing structures, client objectives, risk considerations, and the Bank’s risk appetite in lending decisions.
• Collaborate across Commercial Banking to provide timely, high-quality support and improve business outcomes.
• Build analytical, communication, and professional judgment skills in a structured, collaborative environment.

Candidate Profile

• Use data to inform decisions and recommendations, while asking thoughtful questions and turning analysis into clear insights.
• Work collaboratively, manage multiple priorities, and maintain strong attention to detail in a fast-paced environment.
• Demonstrate a positive, flexible, professional, and client-focused approach.
• Show intellectual curiosity and enthusiasm for developing technical credit and financial analysis skills.

Application Process

• Complete the PLUM Profile and save a screenshot.
• Complete a short one-way video interview.
• Apply online and upload the PLUM Profile screenshot when prompted for a resume.