Scotiabank

Senior Manager, GRM International Banking (Bilingual)

Scotiabank • $110K — $130K *
Toronto, ON M3C 0E3In-Person
Finance & Insurance
5 - 7 years of experience
Today
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Job Overview by Ladders

Qualifications

  • Fluent in Spanish (business level)
  • MBA and/or finance-related professional designations (e.g., CPA, CFA) preferred
  • Extensive experience in credit analysis, specifically in corporate or commercial banking
  • Strong understanding of credit structures, documentation, and risk management
  • Excellent time management skills to juggle multiple priorities
  • Proficient oral and written communication skills for articulating credit decisions
  • Strong negotiation and problem-resolution skills

Responsibilities

  • Adjudicate credit requests and make recommendations on larger loans
  • Evaluate financial/non-financial risks to ensure compliance with policies
  • Review and authorize risk assessment and monitor creditworthiness changes
  • Participate in risk committees as an advisory partner for banking
  • Enhance client relationships by engaging in meetings and providing feedback
  • Manage documentation review and validate critical credit data
  • Monitor portfolios for early warning signs and sector trends

Benefits

  • Opportunity to join a progressive company with a collaborative team
  • Diverse career development opportunities
  • Support for internal skill enhancement
  • Comprehensive benefits package
  • Commitment to community engagement
  • Inclusive and creative work environment promoting success
Full Job Description
Requisition ID: 270984

The Senior Manager, GRM International Banking contributes to the overall success of the Global Risk Management Latin America ensuring specific individual goals, plans, and initiatives are executed / delivered in support of the team's business strategies and objectives. They will ensure all activities conducted are in compliance with governing regulations, internal policies and procedures.

The Senior Manager will also ensure credit adjudication, controlling activities and related processes are conducted within a strong risk culture with a focus on emerging risks and within risk appetite.They will also provide objective oversight and challenge, enable capital optimization, ensure ongoing monitoring, and partner with business lines to develop effective strategy.

Is this role right for you? In this role, you will:

  • Risk Assessment and Rating Assignment:


    • Adjudicate credit requests up to assigned limits; make sound recommendations on larger and/or problem loans within the Bank risk appetite and in adherence to our policy and standards.
    • Evaluate financial and non-financial risks for accurate client risk profiling, challenge banking strategies and risk return over assets below defined threshold ensuring compliance with bank policies and regulatory requirements.
    • Review, challenge and authorize risk assessment and rating assignment, timely monitoring changes in client's creditworthiness, and recommending adequate course of action.
    • Understand economic, political and regulatory framework and how it impacts the assigned portfolio. Recommending potential actions.
    • Participate in risk committees and deal forums, acting as an advisor partner for Banking.
  • Client Centric (Internal/External)


    • Play an integral role in the client relationship experience, actively providing feedback on deals and assigned accounts, and when possible, participate in client's meetings/calls/field visits.
    • Ensure adjudication process is achieved within the stablished SLA parameters.
    • Manage Seamless collaboration with Banking to provide cohesive and efficient client experience and develop strategies to enhance credit offerings aligned with our risk appetite.
    • Provide constructive engagement with Banking while maintaining control function capability
  • Documentation,Data and Reporting:


    • Review of non-standard documentation.
    • Validate critical data elements in credit systems which feed capital and provisions.
    • Drive innovation and digitize risk processes, improving accuracy of and speed of credit decisions and operational efficiencies.
  • Portfolio Management:


    • Manage Account Monitoring: proactive and ongoing monitoring of Early Warning Signs and sectorial trends, to ensure timely actions on assigned portfolio.
    • Work with Banking to ensure adherence to all compliance metrics of the loan portfolio and its documentation, is managed effectively within defined KPIs and internal process.
  • Keeping the Bank Safe:


    • Research and complete training related to the position to keep up to date with risk practices.
    • Understand how the Bank's risk appetite and risk culture should be considered in day-to-day activities and decisions.
    • Consistently 'does the right thing' to keep the Bank safe and foster an environment where they, employees, customers, and stakeholders can speak up / raise concerns.
    • Champion a customer focused culture to deepen client relationships and leverage broader Bank relationships, systems and knowledge.
    • Actively pursue effective and efficient operations of their 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.
    • Champion 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:

  • Ability to conduct business fluently in Spanish is required.
  • MBA and/or Finance-related professional designations (e.g. CPA, CFA, etc) are assets.
  • Experience in 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.
  • 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).
  • 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 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!


Location(s): Canada : Ontario : Toronto

About Scotiabank

Scotiabankers are committed to helping individuals, companies, and communities to thrive in a changing world. From personal and business banking, brokerage, and insurance, to private wealth, and the most sophisticated commercial, corporate and institutional services, they serve the diverse needs of some 21 million customers in more than 55 countries. Founded in 1832 in Halifax, Nova Scotia, their growth has always been fuelled by the success of their customers and their longevity secured by an unshakable commitment to carefully and expertly managing risk and capital. That focus on doing what's right for customers—short- andlong-term—has made us a global financial services leader. Headquartered in Canada, they are over 86, 000 Scotiabankers strong. Each of us are committed to being the best at understanding their customers' needs and all of us working together to deliver practical advice and relevant solutions that help their customers become financially better off.

Scotiabank Careers

Join Scotiabank, a premier financial institution, and become part of a diverse and inclusive team that’s leading the way in global banking. At Scotiabank, we offer more than just job opportunities; we provide a platform for professional growth and innovation in the financial services industry.

Work You’ll Do

At Scotiabank, we’re not just filling positions; we’re cultivating leaders. Dive into a workplace where diversity training and leadership development shape the path to your future. Our commitment to professional growth is evident in our robust training programs and continuous learning opportunities that foster innovation and strategic thinking.

Explore a World of Opportunities

Whether you’re looking for a full-time position, an internship, or a leadership role, Scotiabank has a spectrum of opportunities to fit your career ambitions. Our team is composed of individuals who bring a wealth of skills and perspectives to our company, driving us forward with their creativity and strategic insights.

Innovative Work Environment

Scotiabank’s culture is one of collaboration and respect, where each team member’s contribution is valued. Engage in meaningful work that challenges you to leverage your skills and push the boundaries of what’s possible in the banking sector. Our innovative projects not only support the growth of the company but also ensure our position as a leader in the industry.

Benefits and Growth

Choosing a career at Scotiabank means opting for a life of growth and opportunity. Our employees enjoy competitive benefits, including comprehensive health coverage, retirement plans, and flexible working conditions, all designed to support your career and personal life. We believe in nurturing our team’s potential by providing them with the tools they need to succeed both professionally and personally.

Join Our Team

Ready to take the next step in your career? Explore the job opportunities at Scotiabank by searching our open positions that match your skills and interests. We are continuously hiring and looking for passionate, curious, and solution-driven team players.

Networking and Professional Development

Stay connected and advance your career through Scotiabank’s extensive networking opportunities. Participate in events that connect you with other professionals and leaders within the industry. Our career resources will help you prepare your resume, ace your interviews, and land the job that best suits your career goals.

Stay Ahead

Keep up to date with the latest in career tips, industry insights, and company news—all from the people who work here at Scotiabank. Personalize your experience by subscribing to job alert emails tailored to your preferences and be the first to know about new openings and exciting developments. Join Scotiabank and be part of a team that values integrity, respect, and accountability. Discover how your career can flourish in an environment committed to your professional development and personal growth.
Learn more about Scotiabank
Size
90,619 employees
Market Cap
$57.5 billion
Industry
Finance & Insurance
5 Year Trend
+7%
NASDAQ
BNS
* Ladders Estimates

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