Manager, Small Business Credit Risk

Requisition ID: 211165 Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture. **Is This Role Right for You? In this role, you will**: Champions a customer focused culture to deepen client relationships and leverage broader Bank relationships, systems and knowledge. Provide high quality and in-depth credit decisions by: - Ensuring accurate and complete documentation of rationale for every credit decision; including the assessment of the applicable 5 Cs of credit - Presenting sound and effective recommendations on credit requests above established limits Deliver an effective and timely customer experience by: - Ensuring all partner interactions are professional, respectful, and value added - Providing recommendations, alternatives or restructure credit requests, as appropriate - Acting with a sense of urgency in response to partner requests and inquiries to assist in meeting customer needs and expectations Contribute to ACE objectives/commitments by: - Delivering against established ACE Service Level Agreement targets by: - Consistently achieving KPI target as established - Responding promptly and effectively to credit requests and concerns - Contributing to Deal Support (Contact Centre Internal to ACE) to deliver advice on Credit deals, achieve call answer rate and other relevant customer centric metrics - Taking personal accountability for Lean management activities in order to support continuous improvement through collaborative problem solving, huddles, standard approach to work, visual controls, coaching etc. - Contributing to the evolution of Lean methodology at ACE - Effectively contributing to doing it right the first time Optimizing Risk and Return by: - Ensuring decisions are replicable and transparent with appropriate diarized rationale - Champion clarity and risk-based policy improvements across all products. - Making loan decisions within approved lending limits and ACE Limits and Exception Authorities as documented - Identifying and escalating any identified issues (e.g. Anti-Money Laundering-AML; Privacy; Know Your Customer-KYC; Compliance) - Operating within the Bank’s risk framework Contribute to personal development by: - Promoting a positive work environment that enhances employee satisfaction - Active participation in personal development and functional learning as established - Acting on feedback received and embrace and implement change - Leads development tasks and/or mentorship of peers, as required Understand how the Bank’s risk appetite and risk culture should be considered in day-to-day activities and decisions. Actively pursues effective and efficient operations of his/her respective areas in accordance with Scotiabank’s Values, its Code of Conduct and the Global Sales Principles, while ensuring the adequacy, adherence to and effectiveness of day-to-day business controls to meet obligations with respect to operational, compliance, AML/ATF/sanctions and conduct risk. Champions a high-performance environment and contributes to an inclusive work environment **Do you have the skills that will enable you to succeed in this role? We’d love to work with you if you have**: - A comprehensive knowledge of the Bank’s products and services; - An expert understanding of Bank lending policies and procedures, financial analysis, risk assessment techniques, credit structuring, collateral and security documentation and registration, collection, regulatory, related legislation and accounting practices; - Proven credit judgement and the ability to fully analyze Financial Statements; - Strong analytical and problem resolution skills - Knowledge of all relevant systems as applicable to the ACE unit - Thorough knowledge of The Bank’s Regulatory and Compliance requirements as they relate to credit granting, including Privacy, Anti-Money Laundering (AML)/Anti-Terrorist Financing; and Know Your Customer (KYC) requirements - Good understanding of the Bank’s credit culture - Strong team player and skillful in developing harmonious relationships with Unit team members and stakeholders - Effective communication (written and verbal) and interpersonal skills are necessary for professional interactions with customers, partners and business lines to ensure a high level of credibility - Must be organized and be an effective decision maker to meet the demands of a high-volume environment - Experience in working within a Lean environment is an asset Working Conditions Work in a standard office-based environment; non-standard hours are a common occ Location(s): Canada : Ontario : Mississauga 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 mar