Manager, Small Business Credit Risk

7 months ago


Montréal, Canada Scotiabank Full time

Requisition ID: 200913

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**:

- Effectively analyze credit submissions, financial disclosures and pertinent documentation, within risk tolerances
- 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
- 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.

**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
- 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

Location(s): Canada : Quebec : Montreal

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 investment banking, and capital markets.



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