Requisition ID : 211165

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

The Manager, Small Business Credit Risk Contributes to the overall success of the Adjudication Centre of Expertise / Global Operations in Canada ensuring specific individual goals, plans, initiatives are executed / delivered in support of the team’s business strategies and objectives. Ensures all activities conducted are in compliance with governing regulations, internal policies and procedures. ACE’s role is to review credit applications requiring an exception for Retail Branches, Private Banking, Indirect Mortgage and Indirect Auto, Small Business (Branch, Health Care & Professional Banking, and Agriculture). ACE enables a superior credit adjudication experience for customers, employees, and partners that is aligned to the Risk Framework of the Bank. 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

Is This Role Right for You?  In this role, you will :

Champions a customer focused culture to deepen client relationships and leverage broader Bank relationships, systems and knowledge.

Provide high quality and in-depth credit decisions by :

• Effectively analyzing partner submissions complex application information and associated documents and rationale
• Ensuring consistent application of policies and processes to credit decisions, including adherence to regulatory requirements
• Exercising advanced credit judgement and skills in approving and declining credit applications within established limits
• Ensuring accurate and complete documentation of rationale for every credit decision; including the assessment of the applicable 5 Cs of credit
• Presenting sound and effective recommendations on credit requests above established limits

Deliver an effective and timely customer experience by :

Contribute to ACE objectives / commitments by :

Consistently achieving KPI target as established

Optimizing Risk and Return by :

Contribute to personal development by :

Understand how the Bank’s risk appetite and risk culture should be considered in day-to-day activities and decisions.

Actively 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.

Champions a high-performance environment and contributes to an inclusive work environment

Do you have the skills that will enable you to succeed in this role?  We’d love to work with you if you have :

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.