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Manager, Corporate & Commercial Automotive – Credit Risk

Requisition ID: 102214


Join the Global Community of Scotiabankers to help customers become better off.


Manager, Corporate and Commercial Automotive Credit, Global Risk Management


The Manager, by means of sound credit judgement, contributes to the maintenance, growth and safety of a loan portfolio comprising Commercial and Corporate accounts within the Automotive segment, by ensuring that the portfolio is maintained in sound condition within the Bank’s current credit policy and that supporting documentation provides adequate protection.


What you’ll do in this role?

Reporting to the Director while operating in a team-based environment, you will adjudicate credit proposals from Canadian Commercial Automotive Finance and Corporate Automotive clients, while ensuring that these accounts are managed within the Bank’s risk tolerance and in compliance with the Bank’s policies and procedures.
Contribute to the quality of the loan portfolio by:
Providing prompt and sound decision-making via analysis and adjudication of credit proposals within assigned limits (conforming to Bank Policies, Procedures, and Guidelines).
Making credit recommendations for sign-off from the appropriate adjudication levels.
Providing recommendations to improve the structure of marginal proposals into bankable deals, as appropriate.
Improving the quality of credit applications and submissions.
Ensuring the accuracy of data in various databases and reports.
Ensuring that all terms and conditions of authorizations are accurate, and that the Bank’s position is fully protected by way of adequate security requirements and appropriate credit conditions.
Monitoring the timely submission of all applications and quality of accounts.
Monitoring portfolio/industry trends and recommending suitable courses of action.
Following up for submission of reporting, in accordance with established requirements.

Help develop credit competencies of Banking partners by providing appropriate and meaningful constructive feedback.
Ensure turnaround time continues to meet the Department’s best practices and the Bank’s guidelines.
Maintain an active participation in various Banking and Global Risk Management value-added initiatives from time to time (in addition to routine credit-related matters).
Be customer-focused and proactive, while maintaining a healthy partnership with business line counterparts.

What we’re looking for?

MBA and/or Finance-related professional designations (e.g. CPA, CFA, etc) are preferred.
Knowledge of credit analysis in Corporate and/or Commercial Banking or Credit roles, including but not limited to: understanding of credit structures and protections, credit documentation, and financial projections.
Curiosity, ability to learn and to apply newly acquired knowledge to daily tasks.
Strong time management and organizational skills to manage multiple (often shifting) priorities in a fast-paced environment.
Sound oral and written communication skills to elaborate and support credit decisions before internal stakeholders (e.g. Global Risk Management and Banking counterparts).
Superior negotiation and problem-resolution skills to reach agreements with business line partners.

What’s in it for you?

The opportunity to join a forward-thinking company surrounded by a collaborative team of innovative thinkers.
A great opportunity to be exposed to financing deals in the Automotive portfolio at one of the leading Banks in the segment.
A rewarding career path with diverse opportunities for professional development.
Internal development to support your growth and enhance your skills.
A competitive compensation and benefits package.
An organization committed to making a difference in our communities– for you and our customers.
We have an inclusive and collaborative working environment that encourages creativity, curiosity, and celebrates success! This position is located in Downtown Toronto

Location(s):  Canada : Ontario : Toronto 

As Canada’s International Bank, we are a diverse and global team. We speak more than 100 languages with backgrounds from more than 120 countries. Our employees are committed to a superior customer experience and use the Bank’s six guiding sales practice principles to ensure they act with honesty and integrity.


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.

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