Senior Credit Analyst

2 months ago

Hamilton, Ontario, Canada Scotiabank Full time

Job Summary

The Senior Analyst, Credit Analysis & Support Team is responsible for contributing to the profitable growth and quality of the Commercial Automotive portfolio by performing credit administration tasks to the highest standard of quality for their assigned portfolio.

Key Responsibilities

  • Process and Analyze Customer Reporting items (interim and annual) by:
    • Maintaining a complete monitoring system to ensure interim reporting is completed in a timely manner;
    • Updating the monitoring system and Scotia Dealer Link with necessary information to ensure accuracy of the customer reporting requirements;
    • Completing the spreading of interim financial statements in Moody's Risk Analyst (RA) in an accurate and timely manner as per authorized frequency requirements;
    • Performing trend analysis to monitor the health of client accounts and help determine client risk ratings;
    • Identifying and actioning customer reporting items that are overdue, and following up with customers for overdue items that are between 0 and 60 days overdue.
  • Support the Annual Review process and preparation of credit correspondence by:
    • Analyzing client files to determine annual review and rating refresh reporting items that are due;
    • Preparing/completing spreads of annual financial statements, and projections in RA;
    • Performing structuring and analytical functions, along with other due diligence activities on deals;
    • Assisting with credit tasks to support Sr. CSMs and CSMs in the preparation of credits.
  • Ensure adherence to the Bank's Anti-Money Laundering program, Know Your Customer requirements and Guidelines for Business Conduct, by reporting any unusual occurrences or fraudulent activities per established procedures.

Requirements

  • Sound credit skills (must be able to write up deals, spread financials, assess risk and draw conclusions).
  • Intermediate accounting and financial statement analysis.
  • Solid problem solving skills and solutions oriented.
  • Good written and verbal communication skills.
  • Good knowledge of the industry lines the DFC is serving (Automotive floor planning, wholesale leasing and commercial real estate).
  • Good knowledge of all commercial lending products.
  • Ability to use personal computer programs; Word & Excel, and relevant specialized software (examples: SDL, Task Manager, RA).

What We Offer

  • Work in a standard office-based environment; non-standard hours are a common occurrence.
  • The opportunity to join a forward-thinking organization where you are surrounded by a collaborative team of innovative thinkers.
  • A competitive compensation and benefits package.
  • An organization committed to making a difference in our communities– for you and our customers.
  • You can expect to be recognized and rewarded for high-performance. You'll be supported by leadership through meaningful development conversations that enable faster advancement and internal training to support your growth and development.
  • You'll receive clear, transparent criteria to progress in your career.

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