Discover jobs
Job Search
credit analyst
Title posted on CareerBeacon - Credit Analyst (casual) - Scotia Dealer Advantage, Automotive Finance
Posted on December 14, 2024 by Employer details Scotiabank
Job details
Requisition ID: 207845Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture. Credit Analyst (casual) Contributes to the overall success of the Lending Services department of Scotia Dealer Advantage in Canada ensuring specific individual goals, plans, initiatives are executed and delivered in support of the team's business strategies and objectives. Ensures all activities conducted are in compliance with governing regulations, internal policies and procedures. 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. Contributes to loan growth and profitability by: Analyzing customer loan applications from Dealers and determining customer affordability by reviewing customer credit history, employment and income according to established guidelines; Performing structured and analytic functions on loan applications through the Business Line's credit decisioning system; Completing risk assessments and developing recommendations as to the appropriate course of action for customer loan applications; Conducting analysis to support pricing and/or fee recommendations for loan applications and analyzing, processing and recommending loan amendments or pricing concessions requests from dealers. Ensures sound and timely due diligence in loan underwriting by: Ensuring customer loan applications from Dealers are properly and accurately investigated, evaluated and documented; Following up on outstanding loan related information and managing the credit review process for assigned loan applications; Referring exception credit situations to the Manager, Credit as required for speedy escalation and equitable resolution through Global Risk Management/ACE (Adjudication Centre of Expertise). 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, while 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, including but not limited to responsibilities under the Operational Risk Management Framework, Regulatory Compliance Risk Management Framework, AML/ATF Global Handbook and the Guidelines for Business Conduct. Champions a high performance environment and implements a people strategy that attracts, retains, develops and motivates their team by fostering an inclusive work environment; communicating vison/values/business strategy and managing succession and development planning for the team Do you have the skills that will enable you to succeed in this role? We'd love to work with you if you have: Direct experience in prime or non-prime financing adjudication preferred. Strong attention to detail Superb written and verbal communication skills. Experience in credit analysis. Functional knowledge of MS Word, Excel, credit decisioning and loan application software. Working conditions Work in a standard office-based environment; non-standard hours are not a common occurrence. Operating hours (you will be scheduled within these times): 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 At this time, we are seeking candidates who have availability Monday and Friday's between 5-9pm, and Saturdays between 9am - 8pm. 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. Location(s): Canada : Ontario : Hamilton || Canada : Alberta : Calgary || Canada : British Columbia : Burnaby || Canada : British Columbia : Vancouver || Canada : Quebec : Anjou Scotiabank is- LocationHamilton, ON
- Workplace information On site
- SalaryNot available
- Terms of employment Permanent employmentFull time
- Starts as soon as possible
- vacancies 1 vacancy
- Source CareerBeacon #2114043
Important notice: This job posting has been provided by a partner site. Job Bank is not responsible for this content.
Report a problem with this job posting
- Date modified: