Job Description

Requisition ID: 238426



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



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. Ensure all activities conducted are in compliance with governing regulations, internal policies and procedures.



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.


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:

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

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. To ensure adjudication process is achieved within the stablished SLA parameters. Seamless collaboration with Banking to provide cohesive and efficient client experience and develop strategies to enhance credit offerings aligned with our risk appetite. 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

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.


Actively pursues 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.

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:

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?

We have an inclusive and collaborative work environment that values curiosity & ownership, encourages pragmatic creativity (i.e. true innovation), and celebrates success! An inclusive working environment that encourages creativity, curiosity, and celebrates success! A rewarding career path with diverse opportunities for professional development Internal training to support your growth and enhance your skills A competitive rewards package that includes a base salary, a performance bonus, company matching programs on pension and profit sharing, paid vacation, personal & sick days, medical, vision and dental benefits that start from day one and much more!


Location(s): Canada : Ontario : Toronto



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. 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.