Lending officer

Title : Retail Lending Officer, Hamilton,ON - (Casual, no garanteed hours) 1 The Retail Lending Officer is responsible for the effective and timely decisioning of indirect retail loan and DVLP / CDLSI lease applications, ensuring that a high level of customer service is delivered, and loans approved meet Bank policies and guidelines.

• 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
• obtaining continuous feedback from others on barriers to productivity and to providing fast decision turnaround that they are finding related to the above instructions.
• documenting these findings and providing a recommendation to the DFC Management to change the process or policy based on positive business benefits with the support ofDFC Management , Automotive Finance and Lending Support .
• Ensuring compliance to AML (Anti-Money Laundering) and KYC (Know Your Customer) policy;
• Ensuring adherence to Information, Security and Policy Privacy Requirements.
• extensive knowledge of all retail lending indirect products as well as solid knowledge of other retail products which may meet customer needs,
• proven ability to make sound credit decisions,
• in-depth understanding of all credit policies covered in the Indirect Retail Lending Policy Bulletin and the DVLP Monograph,
• effective communication skills
• strength in ability to negotiate / mediate between multiple groups with potential for conflicting priorities / sense of urgency,
• effective interpersonal and management skills,
• strong organization ability,
• strong analytical and problem-solving skills,
• sound sense of judgement in assessment of priorities,
• solid working knowledge of the Banks ALS COM Retail Loan / Lease adjudication system,

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 . 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.

Last updated : 2024-09-25