Title:  Retail Lending Officer - Anjou, QC - 12 Month Contract

Requisition ID: 260102 

Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture.

Purpose

Contributes to the overall success of the Lending Services department of Scotia Dealer Advantage in Canada ensuring specific individual goals, plans, initiatives are executed / 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.

Accountabilities

• 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 GRM ACE.
• 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.
• Knowledge of MS Word, Excel, credit decisioning and loan application software.

What's in it for you?

• 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 clients.
• 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.

Working Conditions

Work in a standard office-based environment; non-standard hours are a common occurrence.

Location(s):  Canada : Quebec : Anjou 

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.  

At Scotiabank, we value the unique skills and experiences each individual brings to the Bank, and are committed to creating and maintaining an inclusive and accessible environment for everyone. If you require accommodation (including, but not limited to, an accessible interview site, alternate format documents, ASL Interpreter, or Assistive Technology) during the recruitment and selection process, please let our  Recruitment team know. If you require technical assistance, please click here. Candidates must apply directly online to be considered for this role. We thank all applicants for their interest in a career at Scotiabank; however, only those candidates who are selected for an interview will be contacted.