Credit Analyst

6 days ago


Hamilton, Ontario, Canada Scotiabank Full time

About the Role

We are seeking a highly skilled Credit Analyst to join our team at Scotiabank. As a Credit Analyst, you will play a critical role in ensuring the overall success of our Lending Services department in Canada.

Key Responsibilities

  • Contribute to loan growth and profitability by analyzing customer loan applications, determining customer affordability, and performing structured and analytic functions on loan applications.
  • Ensure sound and timely due diligence in loan underwriting by investigating, evaluating, and documenting customer loan applications, and managing the credit review process for assigned loan applications.
  • Understand how the Bank's risk appetite and risk culture should be considered in day-to-day activities and decisions.
  • Actively pursue effective and efficient operations of your respective areas, while ensuring the adequacy, adherence to, and effectiveness of day-to-day business controls to meet obligations with respect to operational risk, regulatory compliance risk, AML/ATF risk, and conduct risk.
  • Champion a high-performance environment and implement a people strategy that attracts, retains, develops, and motivates your team by fostering an inclusive work environment, communicating vision/values/business strategy, and managing succession and development planning for the team.

Requirements

  • Direct experience in prime or non-prime financing adjudication is preferred.
  • Strong attention to detail.
  • Superb written and verbal communication skills.
  • Experience in credit analysis.
  • Functional knowledge of MS Word, Excel, credit decisioning, and loan application software.

Working Conditions

  • Work in a standard office-based environment; non-standard hours are not a common occurrence.
  • Operating hours: 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.
  • Pursuant to a language needs assessment conducted by Scotiabank, the successful candidate will be required to be able to communicate in English and French because they will serve English-speaking clientele.

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