Gerente Principal Banca Especial

ID de la solicitud: 222347

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!

GERENTE PRINCIPAL BANCA ESPECIAL

División: Riesgos

Unidad: Banca Especial

Tipo de contrato: tiempo completo (indeterminado)

Purpose:

Leads and supervises the Special Account Management Unit (SAMU) for Corporate and Commercial in Scotiabank Peru, ensuring that business strategies, action plans, and initiatives are carried out to perform the Bank’s loss mitigating function in compliance with local standards, policies and procedures and in conjunction with BNS regional strategy as per IB SAM guidelines.

Accountabilities:

Provide Expert Advice:

•Deliver GRM governance and oversight mandate of the SAM business banking portfolio across the Corporate and Commercial segments which ensures that risks are identified in a timely manner, once identified appropriate action is taken aligning workout strategies between SAM banking and credit to maximize recovery and minimize risks.

•Manage efforts to normalize clients' situations, aiming to reverse negative performances and restore business viability. If not achievable, lead negotiations to maximize credit recovery and minimize loss impact through restructurings or legal action.

•Recommends improvements in credit processes to avoid potential bankruptcies or losses in the commercial and corporate portfolio.

•Acts as advisor on accounts under Shadow providing support and effective challenge, working together with Banking to articulate the best solutions for each case.

Risk Assessment and Compliance:

•Understands the Bank's risk culture and how risk appetite should be considered in daily activities and decisions.

• Proposes and recommends provisions and write-offs so that the credit risk assumed by the Bank is adequately reflected.

• Strategically manages events that could affect the bank or the general recovery expectations of clients. This includes maintaining updated Annual Reviews, Action Plans, and QSRs, and planning short, medium, and long-term strategies according to portfolio behavior.

• Ensures and approves that the proposals prepared by the unit adequately reflect the debtor's situation and the risks faced by the bank, approving presentations to be sent to various credit committees, both local and in GRM, meeting the standards defined by the bank (in English or Spanish, as required).

• Evaluate and recommend action plans, and/or resolve credit proposals presented by SAM executives for debtors in the managed portfolio. Interacts with local and external credit committees as appropriate.

Portfolio Management:

• Determines, proposes, and leads the execution of action plans to keep the bank's risk controlled, maximizing credit recovery.

• Participates in the Early Warning committees providing recommendations in initial stages of identified potential risks.

• Leads the control and monitoring of the judicial collection process through internal or external lawyers to define the best collection strategy to minimize losses for the bank.

Team Management

• Lead a customer-focused team to minimize losses by providing strategic guidance on portfolio performance, maintaining regular dialogue with Banking/Execution and Risk teams, and leveraging broader Bank relationships.

• Leads a team of Senior Managers, SAM Wholesale Executives, and Portfolio Management Executives, ensuring the application of defined risk policies and the strategy developed for the defined portfolio. Additionally, supervises the Repossessed Assets (RA) from Business Banking portfolio for proper administration, control, and monitoring.

• Creates an environment where the team performs effective and efficient operations in their respective areas, ensuring the adequacy, compliance, and effectiveness of daily business controls to meet obligations aimed at reducing operational risk, regulatory compliance risk, money laundering and terrorist financing risk, and conduct risk, including responsibilities established under the Operational Risk Management Framework, Regulatory Compliance Risk Management Framework, International Anti-Money Laundering and Terrorist Financing Manual, and Business Conduct Guidelines.

• Promotes a high-performance environment and implements a workforce strategy that attracts, retains, develops, and motivates the team, fostering an inclusive work environment, communicating the vision, values, and business strategy, and managing a succession and development plan for the team.

Education & Experience:

Bachelor’s degree in business administration, Finance, Accounting or related field. University degree in financial areas, or equivalent, with at least 10 years of experience in commercial banking, risk, debt structuring, and/or portfolio management of lenders in the Corporate and Commercial segments across all subsegments e.g. Real Estate, Wholesale, Large Companies, Business, and SME.

Must have knowledge and understanding of the operations of regulated banking institutions.

Additionally, must have solid knowledge of risk analysis, accounting, market analysis, strategic planning, and economics.

The position requires the following skills: negotiation, leadership, analytical capacity, autonomy, and adaptability to a changing environment and circumstances. Critical and innovative thinking is required for identifying alternative solutions to problem loans.

High level of English and Spanish proficiency is required.

Working Conditions

• The position requires the ability to interact effectively with Bank’s senior level executives and to manage relationships with different stakeholders (i.e. clients, regulators, banking, audit, legal, treasury, compliance, capital markets, etc) for reviewing proposals and emerging situations in the portfolio.
• Additionally, it requires direct communication with external contacts, such as clients, other creditors for negotiation, external lawyers for monitoring and controlling the progress of the legal process of cases, and trustees, advisors, and liquidators for monitoring and controlling the progress of cases in bankruptcy or liquidation, among others.
• Work outside standard hours may be required.
• The holder works in a standard office environment and requires visits to clients, other creditors, and lawyers, either within or outside the Bank's premises. Home office work may be necessary if circumstances warrant.
• National & International travel may be required.
• Regular trips and visits with customers.

Ubicación(s):  Perú : Lima : San Isidro
 

Agradecemos tu interés, sin embargo, únicamente los candidatos/as seleccionados para entrevista serán contactados.  
** Scotiabank Peru es una empresa incluyente, que respeta la diversidad y no hace ningún tipo de discriminación.