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Retail Lending Officer Casual - Hamilton - Dealer Finance Center

Date: Jun 29, 2019

Location: Hamilton, ON, CA

Company: Scotiabank


Requisition ID: 57202

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



The Retail Lending Officer is responsible for the effective and timely adjudication of all indirect loans & manufacturer lease applications from automotive dealerships across Ontario. The Retail Lending Officer ensures that a high level of customer service is delivered in a dynamic and high paced environment.



1. Adjudicates indirect loans and leases, as well as preparing and escalating exception  credits up to ACE Exception Lenders.

  • reviewing queues on ALS COM to determine application sequence and priority.
  • ensuring applications are receiving prompt attention and priority applications are processed first.
  • calling up application screens on ALS COM.
  • reviewing key information required to make credit decision.
  • making approval/decline decisions based on Retail Loan Policy.
  • referring applications that exceptions to ACE Exception Lenders for final decision.
  • reviewing all internal correspondence, reports etc. promptly and accurately ensuring the message contained is clear to the reader.
  • managing the relationship between the Retail Lending department and the Operations unit staff to ensure that applications requiring re-approval during Funding are handled in a smooth efficient manner 


2. 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.



The Ontario Dealer Finance Centre is located in Hamilton, Ontario.


This posting is for a Casual position. There are no guaranteed hours with this role.


Hours of Operation:

Monday - Thursday 8:00AM to 11:00 PM

Friday - 8:00AM to 9:00 PM

Saturday - 9:00AM to 8:30 PM


Retail Lending Officers work shifts, including weekends, in order to deliver best in class service to our Dealership customers.



  • College Diploma or University Degree
  • retail lending experience is preferred,
  • proven ability to make sound credit decisions,
  • effective communication skills,
  • strength in ability to negotiate/mediate between multiple groups with potential for conflicting priorities/sense of urgency,
  • strong computer proficiency

Location(s):  Canada : Ontario : Hamilton

As Canada’s International Bank, we are a leader when it comes to inclusion. We are a diverse and global team, speaking more than 100 languages with backgrounds from more than 120 countries. 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. Candidates selected for an interview will be contacted directly.  If you require accommodation during the recruitment and selection process, please let us know. We will work with you to provide as seamless a recruitment experience as possible.

Job Segment: Financial, Bank, Banking, Retail, Automotive, Finance

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