Manager, Retail Credit Risk - Bilingual (Canada Wide)

Requisition ID: 117385

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

ACE is part of Global Risk Management (GRM) which constitutes the Second Line of Defense in the Bank’s risk management framework. ACE executes against Bank approved policies, within delegated limits.

The Manager, Credit Risk is responsible for exercising sound credit judgement, providing quality credit exception decisions while balancing production objectives. The incumbent demonstrates the ability to deliver sound decision on more complex credit deals. The incumbent is responsible for ensuring efficient and effective use of resources to ensure consistent and timely decisions that deliver a high quality of customer service. Adjudicates on credits applications within the risk framework of the Bank while adhering to Bank policy and established exception authority.

• Bilingual in French and Enlgish is a must
• An expert understanding of Bank lending policies and procedures, financial analysis, risk assessment techniques, credit structuring, collateral and security documentation and registration, collection, regulatory, related legislation and accounting practices;
• Proven credit judgement and the ability to fully analyze Financial Statements;
• Strong analytical and problem resolution skills
• Knowledge of all relevant systems as applicable to the ACE unit
• Thorough knowledge of The Bank’s Regulatory and Compliance requirements as they relate to credit granting, including Privacy, Anti-Money Laundering (AML)/Anti-Terrorist Financing; and Know Your Customer (KYC) requirements
• Good understanding of the Bank’s credit culture
• Effective communication (written and verbal) and interpersonal skills are necessary for professional interactions with customers, partners and business lines to ensure a high level of credibility
• Must be organized and be an effective decision maker to meet the demands of a high volume environment
• Strong team player and skillful in developing harmonious relationships with Unit team members and stakeholders
• Experience in working within a Lean environment is an asset

**This position is available for any applicaitons across Canada**

Location(s): Canada : Ontario : Mississauga

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.