Bilingual Manager, Small Business Credit Risk

3 weeks ago

Montréal QC HA L, Canada Scotiabank Full time

Requisition ID: 211543

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

**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:

- 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
- 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:

- Promoting a positive work environment that enhances employee satisfaction
- Active participation in personal development and functional learning as established
- Acting on feedback received and embrace and implement change
- Leads development tasks and/or mentorship of peers, as required

Understand how the Bank’s risk appetite and risk culture should be considered in day-to-day activities and decisions.

Actively pursues effective and efficient operations of his/her respective areas in accordance with Scotiabank’s Values, its Code of Conduct and the Global Sales Principles, while ensuring the adequacy, adherence to and effectiveness of day-to-day business controls to meet obligations with respect to operational, compliance, AML/ATF/sanctions and conduct risk.

Champions a high-performance environment and contributes to an inclusive work environment

**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 products and services;
- An expert understanding of Bank lending policies and procedures, financial analysis, risk assessment techniques, credit structuring, collateral and security documentation and registration, collection, regulatory, related legislation and accounting practices;
- Proven credit judgement and the ability to fully analyze Financial Statements;
- Strong analytical and problem resolution skills
- Knowledge of all relevant systems as applicable to the ACE unit
- Thorough knowledge of The Bank’s Regulatory and Compliance requirements as they relate to credit granting, including Privacy, Anti-Money Laundering (AML)/Anti-Terrorist Financing; and Know Your Customer (KYC) requirements
- Good understanding of the Bank’s credit culture
- Strong team player and skillful in developing harmonious relationships with Unit team members and stakeholders
- Effective communication (written and verbal) and interpersonal skills are necessary for professional interactions with customers, partners and business lines to ensure a high level of credibility
- Must be organized and be an effective decision maker to meet the demands of a high-volume environment
- Experience in working within a Lean environment is an asset Working Conditions Work in a standard office-based environment; non-standard hours are a common occ

Location(s): Canada : Quebec : Montreal || Canada : Ontario : Toronto

Scotiabank is a leading bank in the Americas. Guided by our purpose: "for every future", we help our customers, their families and their communities achieve success through a broad range of advice, products and services, including personal and commercial banking, wealth management and private banking, corporate and investmen

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