Credit Risk Analyst

1 month ago

Hamilton, Ontario, Canada Scotiabank Full time

Requisition ID: 202121

Key Responsibilities:

As a Credit Analyst at Scotiabank, you will play a critical role in ensuring the success of the Lending Services department in Canada. Your primary responsibilities will include:

Loan Analysis and Decisioning:

  • Conduct thorough analysis of customer loan applications to determine creditworthiness and affordability.
  • Review customer credit history, employment, and income to ensure compliance with established guidelines.
  • Perform structured and analytic functions on loan applications through the Business Line's credit decisioning system.
  • Develop recommendations for loan applications and analyze, process, and recommend loan amendments or pricing concessions requests from dealers.

Due Diligence and Risk Management:

  • Ensure sound and timely due diligence in loan underwriting by investigating, evaluating, and documenting customer loan applications.
  • Follow up on outstanding loan-related information and manage the credit review process for assigned loan applications.
  • Refer exception credit situations to the Manager, Credit as required for speedy escalation and equitable resolution through Global Risk Management/ACE.

Operational Risk and Compliance:

  • 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, 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.

Leadership and Development:

  • Champion a high-performance environment and implement a people strategy that attracts, retains, develops, and motivates your team by fostering an inclusive work environment.
  • Communicate vision, values, business strategy, and manage succession and development planning for the team.

Requirements:

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

Working Conditions:

  • Work in a standard office-based environment with non-standard hours not being 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 & French because they will serve English-speaking clientele.

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