Automotive Credit Solutions Manager

Scotiabank; Hamilton; On-site; CAD 90,000 - 120,000; Full time

Job summary

Scotiabank in Hamilton, Ontario is seeking a Credit Solutions Manager for Automotive Finance to drive profitable growth of the Bank’s automotive credit portfolio. You will analyze, structure and present credit proposals, meet clients, work with GRM, RM teams, and monitor risk and pricing to deliver bankable deals.

This role demands strong analytical skills, collaboration, and the ability to coach junior colleagues while ensuring compliance.

Qualifications

• Undergraduate degree in business or economics (or work-related equivalency).
• Excellent risk assessment and analysis skills.
• Excellent accounting and financial analysis skills.
• Good coaching skills.
• Good understanding of customer profitability model.
• Ability to build solid business case justification for deals.
• Self-starter with the ability to prioritise and multi-task.
• Superior interpersonal and teamwork skills.
• Industry knowledge considered an asset.

Responsibilities

• Contributes to the profitable development of Automotive Commercial Credit business by analyzing, structuring and presenting credit proposals within the prescribed segment.
• Attends client meetings (Teams, phone and in person) to understand Borrower’s needs and provide sound credit recommendations.
• Provides prompt and sound recommendations in the analysis and adjudication of credit proposals beyond assigned limits.
• Ensures that communications to Sr. RM clearly convey the rationale for decisions.
• Monitors pricing guidelines and hurdles for loans and credit-related fees to drive profitable growth.
• Recommends alternative terms, conditions, and covenants to provide viable banking proposals.
• Restructures marginal proposals into bankable deals where possible.
• Provides guidance, coaching and counsel to Sr. RM.
• Liaises with GRM to ensure authorization matches submitted request and timely adjudication.

Skills

Risk analysis

Credit structuring

Deal recommendations

Communication skills

Pricing guidance

Coaching

Interpersonal skills

Time management

Analytical thinking

Education

Undergraduate degree in business or economics

MBA or professional designation (CPA, CFA etc.) considered an asset

Job description

Scotiabank in Hamilton, Ontario is seeking a Credit Solutions Manager for Automotive Finance to drive profitable growth of the Bank’s automotive credit portfolio. You will analyze, structure and present credit proposals, meet clients, work with GRM, RM teams, and monitor risk and pricing to deliver bankable deals.

This role demands strong analytical skills, collaboration, and the ability to coach junior colleagues while ensuring compliance.