Income Analyst - Scotia Dealer Advantage Montreal

Requisition ID: 177281

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

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

• 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.
• Champions a customer focused culture to deepen client relationships and leverage broader Bank relationships, systems and knowledge.
• Understand how the Bank’s risk appetite and risk culture should be considered in day-to-day activities and decisions.
• 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
• Actively pursues effective and efficient operations of his/her 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.

Job Requirements

• 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

Working Conditions

• Work in a standard office-based environment;
• Hours of operations are from 9am until 5pm from Monday to Friday, with one evening shift per week of 12pm -8pm. There is also a requirement to work 1 Saturday per month.

Location(s): Canada : Quebec : Anjou