Sorry, this job is no longer available.

Credit Analyst - Anjou, QC - Casual


Requisition ID: 37151

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


This position is for Scotia Dealer Advantage, a wholly owned subsidiary of The Bank of Nova Scotia. We provide dealers and customers alike with the advantages, strength and experience of Scotiabank, coupled with Scotia Dealer Advantage's industry leading Special Finance expertise and service.
Scotia Dealer Advantage is one of Canada’s largest and fastest growing Special Finance companies providing automotive financing programs nationwide. We build partnerships with authorized independent and franchise automobile dealers to help them grow their businesses and serve their special finance customers


Job Purpose

The Credit Analyst is responsible for the effective and timely adjudication of customer loan applications while ensuring a high level of service to dealers is delivered.  The  analyst’s primary responsibilities focus on analyzing customers with sub-prime credit history, understanding and interpreting loan applications submitted by Dealers, and utilizing consumer credit bureaus  to make individual consumer loan recommendations that meet Bank policies and guidelines. 


This role works with a significant daily volume of loan applications from Dealers and income related information from Verification & Dealer Funding Representative.  The Credit Analyst is required to obtain missing and/or confirm existing customer information provided by Dealers on loan applications with a strong focus on minimizing losses from credit fraud.  The analyst’s responsibilities also focus on accurately capturing required loan adjudication information in the Business Line’s credit decisions and core contract management systems.


The Credit Analyst is responsible for providing, human, straightforward, and knowledgeable service through daily interactions to create a relationship of mutual trust and confidence with dealers and fellow employees.  The incumbent works closely with other Credit staff and Verification & Dealer Funding Representatives while maintaining strong working relationships with Dealers and Area Sales Managers. 


Key Accountabilities

  • Contributes to loan growth and profitability while minimizing underwriting risk to the Bank.
  • Ensures sound and timely due diligence in loan underwriting while conforming to Bank policies and procedures.
  • Ensures the delivery of customer service fosters overall customer and business line/department satisfaction.   


Functional Competencies

  • Strong analytical skills and attention to detail.
  • Strong organizational and time management skills; the ability to prioritize, allocate and monitor workload; using sound judgment to address problems and discrepancies.   
  • Proven interpersonal and communications skills to successfully conduct adjudication activities.
  • A high degree of flexibility is required to adapt to variations in application volume.
  • Strong PC skills are necessary as the incumbent uses a PC for a variety of operational, service management and related activities.
  • Thorough knowledge of procedures, policies and workflows, as it relates to SDA’s credit adjudication, income verification and dealer funding requirements.
  • Thorough knowledge of SDA’s products, services, and operating systems.
  • Previous experience in the analysis and adjudication of consumer credit.  Direct experience in sub-prime financing considered an asset.


Education & Other Requirements:

  • Completion of a post-secondary education (college or university) preferred.
  • Bilingual (French & English)


Please note: The schedule is from 1pm to 9pm on weekdays and every Saturday from 9am to 5pm.



Location(s):  Canada : Quebec : Anjou

As Canada’s International Bank, we are a leader when it comes to inclusion. We are a diverse and global team, speaking more than 100 languages with backgrounds from more than 120 countries. 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. Candidates selected for an interview will be contacted directly.  If you require accommodation during the recruitment and selection process, please let us know. We will work with you to provide as seamless a recruitment experience as possible.

Full time
Anjou, 10, CA