Manager, Small Business Credit Risk

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


Contributes to the overall success of the Adjudication Centre of Expertise ACE / Global Operations 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.

ACE’s role is to review credit applications requiring an exception for Retail Branches, Private Banking, Indirect Mortgage and Indirect Auto, Small Business (Branch, Health Care & Professional Banking, and Agriculture).

ACE enables a superior credit adjudication experience for customers, employees, and partners that is aligned to the Risk Framework of the Bank.



The Small Business Manager, Credit Risk is responsible for exercising sound credit judgement, and providing quality underwriting decisions for small business credit requests. The Manager is responsible for ensuring efficient and effective use of resources to ensure consistent and timely decisions that deliver a high quality of customer service andadhere to Bank policy and established exception authorities, while balancing production objectives.
There are no direct reports, this is anIndividual Contributor role.

Is This Role Right for You?.

In this role, you will:



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


-Effectively analyze partner credit submissions, with related documentation while operating within the Bank’s risk appetite and culture in day-to-day activities and decisions.
-Apply advanced credit judgement, using of the applicable 5 C’s of credit.
-Demonstrate awareness of broad industry related risks relevant across the Canadian Economy.
-Provide credit decisions that clearly communicate the terms and conditions of the adjudication.
-Ensure appropriate documentation and rational mitigating risk are on file to support credit decisions.
-Act with a sense of urgency in response to partner requests to meet customer expectations.
-Provide recommendations/alternative solutions and restructure credit requests, with coaching/direction to partners as required.
-Effectively work in a fast-paced environment to contribute to achieving established ACE Service Level Agreement.
-Consistently achieving KPI target as established and contributing to “First Time Right”.
-Contributing to Deal Support (Contact Centre Internal to ACE) to deliver advice on Credit deals.
-Contribute to Lean management activities including problem solving sessions, coaching, and huddles.
-Identifying and escalating any identified issues (e.g. Anti-Money Laundering-AML; Privacy; Know Your Customer-KYC; Compliance).
-Working within Scotiabank’s Values, its Code of Conduct, and the Global Sales Principles.
-Active participation in personal development and learning, while promoting a positive and inclusive work environment.
-Coaching and mentoring of peers as required.



Do you have the skills that will enable you to succeed in this role?.

We’d love to work with you if you have:

-A comprehensive knowledge of the Bank’s Small Business products/services and lending policies and procedures.
-Proven credit judgement and the ability to fully analyze Financial Statements;.
-Good understanding of risk assessment, credit structures/protections, credit documentation, financial projections, and Equifax/TransUnion credit reports.
-Strong analytical and problem resolution skills.
-Knowledge of all relevant systems as applicable to the ACE unit, the Bank’s interactive systems and Microsoft Tools (Excel, Outlook, Word, PowerPoint, OneNote).
-Thorough knowledge of The Bank’s Regulatory and Compliance requirements as they relate to credit granting, including Privacy, Anti-Money Laundering (AML)/Anti-Terrorist Financing; and Know Your Customer (KYC) requirements.
-Strong team player and skillful in developing harmonious relationships with Unit team members and stakeholders.
-Effective communication and interpersonal skills are necessary for professional interaction with partners and business lines to ensure a high level of credibility.
-Must be organized and be an effective decision maker to meet the demands of a high-volume environment.
-Work experience within a Lean environment is an asset.
-Post-secondary education required.
-Degrees in finance/accounting/economics are an asset.
-Bilingual English/French- written and verbal is preferred.



Location(s): Canada : Ontario : Mississauga
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. If you require technical assistance, please click here.

Candidates must 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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