Requisition ID: 215428
Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture.
Purpose
Contributes to the overall success of the Income department of Scotia Dealer Advantage 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.
Accountabilities
Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture.
Purpose
Contributes to the overall success of the Income department of Scotia Dealer Advantage 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.
Accountabilities
- Champions a customer focused culture to deepen client relationships and leverage broader Bank relationships, systems and knowledge.
- Contributes to loan growth and profitability by:
- Verifying income details and documentation from Dealers and determining customer affordability according to established guidelines;
- Comparing and contrasting employment, income and loan application information with telephone conversations held between the Income Analyst and dealer, customer’s employer(s) or customer;
- Reporting and escalating any unusual occurrences or fraudulent activities in the verbal and written employment status and income verification process per established procedures;
- Referring exception income situations to the Senior Income Analyst, Manager, or GRM ACE, as required for review and resolution.
- 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 their respective areas, while ensuring the adequacy, adherence to and effectiveness of day-to-day business controls to meet obligations with respect to operational risk, regulatory compliance risk, AML/ATF risk and conduct risk, including but not limited to responsibilities under the Operational Risk Management Framework, Regulatory Compliance Risk Management Framework, AML/ATF Global Handbook and the Guidelines for Business Conduct.
- Champions a high-performance environment and implements a people strategy that attracts, retains, develops and motivates their team by fostering an inclusive work environment; communicating vison/values/business strategy and managing succession and development planning for the team.
- Previous experience in a customer service capacity utilizing the telephone as the primary means of communication is preferred.
- Previous experience in verifying the accuracy of contracts combined with the analysis of income and income sources is preferred.
- Knowledge of Microsoft operating systems including Word, Excel, Outlook and the Internet.
- Pursuant to a language needs assessment conducted by Scotiabank, the successful candidate will be required to be able to communicate in English & French because they will serve English-speaking clientele.
- Work in a standard office-based environment; non-standard hours do occur sometimes.
- Hours of operation are 8 a.m. to 8 p.m. Monday to Saturday -- you will be scheduled within these times.