Senior Credit Risk Analyst

2 months ago

Mississauga, Ontario, Canada Scotiabank Full time
{"title": "Senior Credit Risk Analyst", "content": "Job Summary

As a Senior Credit Risk Analyst at Scotiabank, you will play a critical role in analyzing credit submissions, financial disclosures, and pertinent documentation to ensure effective risk management within established tolerances.

Key Responsibilities
  • Analyze credit submissions, financial disclosures, and pertinent documentation to identify potential risks and opportunities.
  • Apply advanced credit judgment, utilizing the five C's of credit, to ensure consistent application of policies and processes.
  • Adjudicate credit requests within established limits and exception authority, presenting quality recommendations on requests above established limits.
  • Calculate financial ratios, identify appropriate credit conditions, and security while understanding business and economic trends.
  • Analyze credit reviews and apply corrective action where necessary.
  • Ensure all partner interactions are professional, respectful, and value-added.
  • Provide recommendations and alternative solutions, restructuring credit requests as required.
  • Act with a sense of urgency in response to partner requests to meet customer expectations.
  • Deliver against established ACE Service Level Agreement targets.
  • Contribute to the growth and quality of the Small Business Credit portfolio.
  • Clearly identify risks and exceptions using strong rationale and associated mitigants to support decisions.
  • 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.
Requirements
  • A comprehensive knowledge of Scotiabank's Small Business products and services.
  • An expert understanding of the Bank's 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 with harmonious relationships with Unit team members and stakeholders.
  • Strong communication skills, written and verbal, 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.
  • An 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.
  • A hybrid working environment allowing for work/life balance.
", "lang_code": "en-US"}

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