Manager, Small Business Credit Risk

1 week ago


Montreal, Quebec, Canada Scotiabank Full time

Is this role right for you?

In this role you will: Effectively analyze credit submissions, financial disclosures and pertinent documentation, within risk tolerances Applying advanced credit judgement, usage of the applicable five C's of credit, and ensuring consistent application of policies and processes are analyzed and documented. Adjudicating within established limits and exception authority and presenting quality recommendations on requests above established limits. Ability to calculate financial ratios, identify appropriate credit conditions and security while understanding business and economic trends Analyze credit reviews and apply corrective action where appropriate Ensuring all partner interactions are professional, respectful, and value added. Providing recommendations/alternative solutions, and restructuring credit requests, with coaching/direction to partners as required. Acting with a sense of urgency in response to partner requests to meet customer expectations. Delivering against established ACE Service Level Agreement targets – moved this from below Contributes to the growth and quality of the Small Business Credit portfolio Clearly identifying risks and exceptions using strong rationale and associated mitigants to support the decision. Operate within the Bank's risk appetite and culture in day-to-day activities and decisions. Maintain acceptable application review ratings from internal quality assurance and audit

Do you have the skills that will enable you to succeed in this role? We'd love to work with you if you have:

A comprehensive knowledge of the Bank's Small Business products/services An expert understanding of the Bank lending policies and procedures, financial analysis, risk assessment techniques, credit structuring, collateral and security documentation and registration Intermediate accounting and financial statement analysis. Strong analytical and problem resolution skills. Strong team player and skillful in developing harmonious relationships with Unit team members and stakeholders. Strong communication skills, written and verbal, in order to produce informative, concise and professional credit replies, presentations and correspondence Pursuant to a language needs assessment conducted by Scotiabank, the successful candidate will be required to be able to communicate in English in addition to French because they will be required to work closely with other groups from head office who operate primarily in English, they will report to a manager from head office who is an English speaker, and/or they will serve and English-speaking clientele. Strong organizational skills and the ability to prioritize work effectively and efficiently to meet the demands of a high-volume work environment.

What's in it for you?

A rewarding career path with diverse opportunities for professional development A culture that promotes teamwork and cross-functional collaboration to achieve business goals. Inclusive workplace that values diversity of thought, background, and experience A competitive compensation and benefits package Opportunity to work with a very enthusiastic team that helps our clients by ensuring the Bank is able to continue to operate to deliver key business services. Hybrid working environment allowing for work/life balance

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