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credit analyst
Title posted on CareerBeacon - Manager, Small Business Credit Risk
Posted on November 29, 2024 by Employer details Scotiabank
Job details
Requisition ID: 211581Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture. The Manager, Small Business Credit Risk Contributes to the overall success of the Adjudication Centre of Expertise / Global Operations in Canada 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. ACE's role is to review credit applications requiring an exception for Retail Branches, Private Banking, Indirect Mortgage and Indirect Auto, Small Business (Branch, Health Care & Professional Banking, and Agriculture). ACE enables a superior credit adjudication experience for customers, employees, and partners that is aligned to the Risk Framework of the Bank. The Manager, Credit Risk is responsible for exercising sound credit judgement, providing quality credit exception decisions while balancing production objectives. The incumbent demonstrates the ability to deliver sound decision on more complex credit deals. The incumbent is responsible for ensuring efficient and effective use of resources to ensure consistent and timely decisions that deliver a high quality of customer service. Adjudicates on credits applications within the risk framework of the Bank while adhering to Bank policy and established exception authority Is This Role Right for You? In this role, you will: Champions a customer focused culture to deepen client relationships and leverage broader Bank relationships, systems and knowledge. Provide high quality and in-depth credit decisions by: Effectively analyzing partner submissions complex application information and associated documents and rationale Ensuring consistent application of policies and processes to credit decisions, including adherence to regulatory requirements Exercising advanced credit judgement and skills in approving and declining credit applications within established limits Ensuring accurate and complete documentation of rationale for every credit decision; including the assessment of the applicable 5 Cs of credit Presenting sound and effective recommendations on credit requests above established limits Deliver an effective and timely customer experience by: Ensuring all partner interactions are professional, respectful, and value added Providing recommendations, alternatives or restructure credit requests, as appropriate Providing coaching, direction and guidance to partners relating to credit applications as required Acting with a sense of urgency in response to partner requests and inquiries to assist in meeting customer needs and expectations Contribute to ACE objectives/commitments by: Delivering against established ACE Service Level Agreement targets by: Consistently achieving KPI target as established Responding promptly and effectively to credit requests and concerns Contributing to Deal Support (Contact Centre Internal to ACE) to deliver advice on Credit deals, achieve call answer rate and other relevant customer centric metrics Taking personal accountability for Lean management activities in order to support continuous improvement through collaborative problem solving, huddles, standard approach to work, visual controls, coaching etc. Contributing to the evolution of Lean methodology at ACE Effectively contributing to doing it right the first time Optimizing Risk and Return by: Ensuring decisions are replicable and transparent with appropriate diarized rationale Champion clarity and risk-based policy improvements across all products. Making loan decisions within approved lending limits and ACE Limits and Exception Authorities as documented Identifying and escalating any identified issues (e.g. Anti-Money Laundering-AML; Privacy; Know Your Customer-KYC; Compliance) Operating within the Bank's risk framework Contribute to personal development by: Promot- LocationMississauga, ON
- Workplace information On site
- SalaryNot available
- Terms of employment Permanent employmentFull time
- Starts as soon as possible
- vacancies 1 vacancy
- Source CareerBeacon #2127026
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