Financial Credit Analyst

4 weeks ago

Hamilton, Ontario, Canada Scotiabank Full time

Requisition ID: 202121

Become part of a purpose-driven and high-achieving team that values inclusivity and performance.

Role Overview:

As a Credit Analyst (casual), you will play a vital role in the Lending Services division of Scotia Dealer Advantage in Canada. Your contributions will be essential in achieving specific goals and executing plans that align with the team's strategic objectives. You will ensure that all operations comply with relevant regulations, internal policies, and procedures.

Key Responsibilities:

  • Foster a customer-centric culture to enhance client relationships and utilize broader banking resources, systems, and expertise.
  • Drive loan growth and profitability by:
    • Evaluating customer loan applications from Dealers, assessing affordability by analyzing credit history, employment, and income in accordance with established criteria;
    • Conducting structured analyses on loan applications through the Business Line's credit decisioning system;
    • Performing risk assessments and formulating recommendations for the appropriate actions regarding customer loan applications;
    • Conducting analyses to support pricing and fee recommendations for loan applications and evaluating requests for loan amendments or pricing concessions from dealers.
  • Ensure thorough and timely due diligence in loan underwriting by:
    • Accurately investigating, evaluating, and documenting customer loan applications from Dealers;
    • Following up on outstanding loan-related information and managing the credit review process for assigned applications;
    • Escalating exceptional credit situations to the Manager, Credit for prompt resolution through Global Risk Management/ACE.
  • Comprehend how the Bank's risk appetite and culture influence daily activities and decision-making.
  • Pursue effective and efficient operations in your respective areas while ensuring adherence to business controls to meet obligations regarding operational risk, regulatory compliance risk, AML/ATF risk, and conduct risk.
  • Champion a high-performance environment by implementing a people strategy that attracts, retains, develops, and motivates team members, fostering an inclusive workplace.

Qualifications:

  • Experience in prime or non-prime financing adjudication is preferred.
  • Exceptional attention to detail.
  • Excellent written and verbal communication skills.
  • Experience in credit analysis.
  • Proficient in MS Word, Excel, and credit decisioning and loan application software.

Working Conditions:

  • Standard office-based environment; non-standard hours are rare.
  • Operating hours include:
    • Monday - Thursday 7:30am to 11:00pm EST
    • Friday 7:30am - 9:00pm EST
    • Saturday 9:00am - 8:00pm EST
    • Sunday 10:00am - 7:00pm EST
  • Successful candidates will be required to communicate in English & French to serve a diverse clientele.

Scotiabank is a leading financial institution in the Americas, dedicated to helping customers, families, and communities achieve success through a wide range of services, including personal and commercial banking, wealth management, corporate and investment banking, and capital markets. We value the unique skills and experiences each individual brings and are committed to fostering an inclusive and accessible environment for all.

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