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Retail Lending Officer
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Requisition ID: 162930 Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture. **Looking for a stimulating job within a dynamic team? A place with great career advancement opportunities where people are encouraged to surpass and give the best of themselves?** **Let us tell you about an opportunity.** **At Scotia Bank, we're the experts in automotive financing. For the last 60 years, we have lead the industry with our customer service, our passion & our expertise, and that is what sets us apart. We offer comprehensive financing solutions to our dealerships, both at the retail level and for their business needs.** **Purpose of Job** The incumbent is responsible for credit quality objectives, customer satisfaction goals, and operational effectiveness objectives. **Major Accountabilities**: Supervises the adjudication of indirect loans and leases as well as preparing and escalating exception credits up to Team Leads / ACE by:. - reviewing key information required to make credit decision. - making approval/decline decisions based on Retail Loan Policy. - reviewing all internal correspondence, reports etc. promptly and accurately ensuring the message contained is clear to the reader. Identifies potential improvements to Retail Lending processes and policies and provides recommendations to DFC Management and/or ACE. - obtaining continuous feedback from others on barriers to productivity and to providing fast decision turnaround that they are finding related to the above instructions. - documenting these findings and providing a recommendation to the DFC Management to change the process or policy based on positive business benefits with the support ofDFC Management, Automotive Finance and Lending Support. Maintains the customer relationship, ensures good quality customer service, while ensuring the dealer understands the rationale behind declines or requests for more information. The incumbent is the first level of contact for issues/concerns from the dealer on specific loan/lease decisions. - handling calls from dealers to ensure dealer understanding of declines/requests for more data in the following circumstances: - where the call can’t be handled by the Customer Service Representative (doing so would impact productivity; comprehension of the rationale for the decision is complex), - the customer relationship is volatile or at risk. - resolving calls to the satisfaction of the customer while adhering to Bank policy and guidelines. - preparing correspondence in a manner that reflects Bank policies and guidelines while conveying a tone that protects the integrity of the customer. Following specific disciplines relative to the business unit, e.g. legislative / compliance / regulatory requirements; - Ensuring compliance to AML (Anti-Money Laundering) and KYC (Know Your Customer) policy; - Ensuring adherence to Information, Security and Policy Privacy Requirements. Occupational Health & Safety Officer as assigned. **Essential skills/knowledge include**: - extensive knowledge of all retail lending indirect products as well as solid knowledge of other retail products which may meet customer needs, - proven ability to make sound credit decisions, - in-depth understanding of all credit policies covered in the Indirect Retail Lending Policy Bulletin and the DVLP Monograph, - solid knowledge of all other commercial deposit and retail products which are provided to customers but not serviced directly at the DFC, but can be referred to other BNS counterparts, - effective communication skills - strength in ability to negotiate/mediate between multiple groups with potential for conflicting priorities/sense of urgency, - effective interpersonal and management skills, - strong organization ability, - strong analytical and problem-solving skills, - sound sense of judgement in assessment of priorities, - solid working knowledge of the Bank’s ALS COM Retail Loan/Lease adjudication system, **Desirable skills/knowledge include**: **Working Conditions** - The Retail Lending Officer executes his/her duties in a standard office environment. - DFC customers are very demanding of service and attention. Without good quality service and the perception they are receiving the appropriate amount of attention, the customer would go elsewhere. Deadlines are always an issue in responding to indirect loan enquiries. **Hours of Operation** - Monday - Thursday 8am to 11pm EST - Fridays 8am to 9pm EST - Saturday 9:00-8:30 PM EST - Sundays 10:30-7pm EST - Overtime expected during peak periods. Location(s): Canada : Ontario : Hamilton Scotiabank is a leading bank in the Americas. Guided by our purpose: "for every future", we help our customers, their families and their communities achieve success through a broad range of advice, products and services, including personal and commercial banking, wealth management and private banking, corporate and investment banking, and capital markets
