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Title:  Director, Retail Lending, Dealer Finance - Anjou




Requisition ID: 72983


Join the Global Community of Scotiabankers to help customers become better off.


Director, Retail Lending / Automotive Finance


Leads and has overall responsibility for lending nationally between the two Dealer Finance Centre’s, ensuring business strategies, plans and initiatives are executed / delivered in compliance with governing regulations, internal policies and procedures.


Responsible for providing the strategic and tactical leadership to the Quebec and Ontario Dealer Finance Centre’s Lending teams to ensure all retail and commercial processing activities including the set-up of lending and banking products, and security activities are provided with the highest quality of service.




As a Director, Retail Lending, you’ll be responsible for directing day-to-day activities in a manner consistent with the Bank’s risk culture and the relevant risk appetite statement and limits. Also communicates the Bank’s risk culture and risk appetite statement throughout their teams. You’ll also:


  • Leads and drives a customer focused culture throughout their Ontario and Quebec teams to deepen client relationships and leverage broader Bank relationships, systems and knowledge by assisting with the co-ordination and implementation of training/cross-training programs in relation to skill training, product knowledge and service development.
  • Ensuring staff assume full responsibility for all customer inquiries/concerns/complaints directed to them by resolving those matters within their discretion to the client’s satisfaction or by referring the customer to the appropriate source, as set out in the Bank’s Complaint Resolution Standards and Procedures;
  • Lead the Retail Lending Team’s adjudication and administration of the indirect loans in both the Ontario and Quebec Dealer Finance Centre (DFC)
  • Oversees DFC lending activities and practices to high standards of credit quality to ensure Indirect Retail and Lease delinquencies and amounts Written out of Record WOR are within acceptable levels for the DFC unit as measured by the Bank’s internal delinquency and WOR standards reported in the Monthly Monitoring Report.
  • Creates an environment in which his/her team 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.  




  • Expert knowledge of Bank regulations, policies, procedures, operations and functions to ensure Centre operates within audit requirement.
  • Expert knowledge of Bank’s commercial/retail lending, transactional services, policies and procedures;
  • Working knowledge of LAN/PC Operations and Applications
  • Thorough knowledge of the Bank’s operations and human resources policies and procedures
  • Thorough knowledge of people and performance management techniques, including coaching feedback and motivational techniques and their application in managing others;
  • Expert knowledge of expense control techniques required to prepare and manage annual budget;
  • Expert knowledge of the steps/requirements – legal and otherwise – to prepare security documentation and maintain the enforceability of all terms and conditions stipulated in agreements between the customer and the Bank;
  • Working knowledge of Shared Services processes.
  • A high degree of flexibility is required to adapt to a wide variety of tasks and functions.  Strong PC skills are necessary as the incumbent uses a PC for a variety of service, service management and general management activities. 
  • Expert knowledge of daily and periodic centre routines, procedures and policies, including the custody and security processes and procedures.
  • Effective service management skills are essential, along with the ability to influence and motivate others.  The incumbent must set a positive example of change and encourage others to do the same.   
  • Bachelor degree or MBA with 5 years of relevant experience preferable leading a large business team within the financial industry.




  • A positive and inclusive team environment where your voice and opinions are valued. We foster big thinking, professional growth and mutual respect.
  • A rewarding career path with diverse opportunities for professional development within Canadian Banking
  • A competitive compensation and benefits package.


MUST BE BILINGUAL - French and English


Working Conditions:  This role will be expected to travel to Toronto (Head Office) 1 to 2 times per year.  This role will have direct reports in the Ontario Dealer Finance Centre, in Hamilton, and will be expected to travel there approximately once a month.


Location(s):  Canada : Quebec : Anjou 

As Canada's International Bank, we are a diverse and global team. We speak more than 100 languages with backgrounds from more than 120 countries. Our employees are committed to a superior customer experience and use the Bank’s six guiding sales practice principles to ensure they act with honesty and integrity.


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.

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