Director Credito Comercial

ID de la solicitud: 250286

Gracias por tu interés en ser parte de Scotiabank Perú, apreciamos tu postulación. Estamos en la búsqueda de personas con talento que quieran crecer y lograr los objetivos de nuestra organización. ¡Te deseamos mucho éxito dentro de este proceso!

DIRECTOR CREDITO COMERCIAL

Purpose

Leads and supervises the team in charge of the portfolio assigned, ensuring credit adjudication, control activities and related processes are conducted within a strong risk culture, with a focus on emerging risks and within risk appetite. Provide objective oversight and challenge, enable capital optimization, ensure ongoing monitoring, and partner with business lines to develop effective strategy.

Accountabilities

Risk Assessment and Rating Assignment:

• Adjudicate credit requests up to assigned limits; make/review sound recommendations on larger and/or problem loans within the Bank risk appetite and in adherence to our policy and standards.
• Evaluate financial and non-financial risks for an accurate client risk profiling, challenge banking strategies and risk return over assets below defined threshold ensuring compliance with bank policies and regulatory requirements.
• Review, challenge and authorize risk assessment and rating assignment, timely monitoring changes in client’s creditworthiness, and recommending adequate course of action.
• Understand economic, political and regulatory framework and how it impacts the assigned portfolio. Recommending potential actions.
• Participate in risk committees and deal forums, acting as an advisor partner for Banking.

Client Centric (internal/ external)

• Play an integral role in the client relationship experience, actively providing feedback on deals and assigned accounts, and when possible, participate in client’s meetings/calls/field visits. Travels within Peru to visit clients are needed.
• Ensure adjudication process is achieved within the stablished SLA parameters (response times).
• Seamless collaboration with Banking to provide cohesive and efficient client experience and develop strategies to enhance credit offerings aligned with our risk appetite.
• Constructive engagement with Banking while maintaining control function capability Documentation, Data and Reporting:

• • Review of non-standard documentation.
  • Ensure that its team validate critical data elements in credit systems which feed capital and provisions
  • Drive innovation and digitize risk processes, improving accuracy of and speed of credit decisions and operational efficiencies.

Portfolio Management

• Account Monitoring: proactively and ongoing monitoring of Early Warning Signs and sectorial trends, to ensure timely actions on assigned portfolio.
• Work with Banking to ensure adherence to all compliance metrics of the loan portfolio and its documentation, is managed effectively within defined KPIs and internal process.

Keeping the Bank Safe

• 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
• Compliance with Management Framework, AML/ATF Global Handbook and the Guidelines for Business Conduct.
• Research and complete training related to the position to keep up-to-date with risk practices.

Team Management:

Provide leadership, guidance and oversight to team members, fostering a culture of risk awareness and accountability, leading a client centric culture, team building, provide coaching & mentoring and an attractive value proposition & development for talent.

Experience:

• Experience in financial analysis/credit: 10 years
• People Management Experience
• English: Advanced
• Postgraduate Studies
• Desirable: have adjudicated transactions from clients outside of Lima and from the agricultural sector.

Ubicación(s):  Perú : Lima : San Isidro
 

Agradecemos tu interés, sin embargo, únicamente los candidatos/as seleccionados para entrevista serán contactados.  
** En el Grupo Scotiabank Perú valoramos las habilidades, experiencias y perspectivas únicas que cada persona aporta, promovemos la inclusión con pasión y respeto. Si consideras que podríamos brindarte algún ajuste razonable durante el proceso de selección, te invitamos a indicarlo al registrar tus datos en la plataforma o al momento de establecer contacto con nuestro equipo de atracción del talento. Estamos comprometidos en crear y mantener un entorno inclusivo, accesible y seguro donde sean bienvenidos todos.