Credit Specialist

Scotiabank; Bogotá; Presencial; COP 24.000.000 - 36.000.000; Jornada completa

Descripción de la vacante

ScotiaGBS in Bogota seeks a Credit Specialist to review conditionally approved retail credit applications submitted via Digital and Contact Centre channels. You will identify inconsistencies, validate SAM messages, underwrite and render decisions within authorized limits, and document investigations.

Strong communication and English skills are required, with at least one year in customer service. The role emphasizes compliance, KYC, and high-quality service in a fast-paced banking environment.

Formación

• Advanced English language skills are required.
• Minimum 1 year of relevant work experience.
• Basic computer skills with Microsoft Office.
• Experience in customer service or BPO is a plus.
• Understanding of retail lending products is beneficial.

Responsabilidades

• Review conditionally approved credit applications for accuracy.
• Underwrite and decide within approved limits and policies.
• Conduct credit investigations and communicate with customers by phone.
• Validate applicant identity and document investigations.
• Report fraud and document all activities per procedures.

Conocimientos

Advanced English

Customer service experience

Credit investigations

Communication skills

Attention to detail

Analytical thinking

Educación

High School diploma

Herramientas

Microsoft Office

Descripción del empleo

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Title: Credit Specialist

Requisition ID: 267988

Thanks for your interest in ScotiaGBS, the best campus in Bogota.

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

Purpose

The Credit Specialist is part of the GBS-DR, Global Operations team and is responsible for conducting thorough review of conditionally approved retail credit applications received through Digital and Contact Centre channels. The Credit Specialist identifies inconsistencies in the application, validates all required SAM messages, underwrites and decisions the application while adhering to authorized approval limits. Validation of identity forms is a critical component of the review process requiring all investigation activities to be documented in the case.

Accountabilities

• Champions a customer focused culture to deepen client relationships and leverage broader Bank relationships, systems and knowledge.
• Underwriting Retail Credit by:
  • o Reviewing and authorizing conditionally approved applications for accuracy and consistency in all credit policies.
  • o Executing thorough credit investigations and providing sound recommendations/approvals within assigned limits, (see Appendix A) on loan applications and credit related services.
  • o Conducting effective telephone communications in order to complete/conclude credit investigations while maintaining the confidentiality of the Bank and customer.
  • o Performing enhanced due diligence and adhering to full investigation as per KYC procedures.
  • o Responding to correspondence concerning credit enquiries and problems from customers and branches.
  • o Validating identity of applicant using current and relevant processes.
  • o Reporting fraud through proper channels when identified.
  • o Recommendation to ACE when the application warrants an override to SAM/DRE credit decision.
• Develop and maintain banking relationships with customers in a way which ensures that the delivery of customer service fosters overall customer satisfaction consistent with the Scotia Service standards by:
  • o Ensuring the inbound/outbound calling authentication procedure is followed.
  • o Acquiring and maintaining a thorough knowledge of all Retail Lending products, policies and procedures necessary to respond appropriately to customer inquiries. The incumbent should also develop and maintain an awareness of competitor’s products and services.
  • o Responding to customers immediate service requirements as well as identifying opportunities to explain and promote the sale of other Bank products. Referring cross-sell/up-sell opportunities to the Contact Centre and/or branch.
  • o Assuming responsibility for all customer enquiries/concerns/complaints directed to him/her by resolving those matters within his/her discretion, to the customer’s satisfaction or by referring the customer to the appropriate source as set out in the Bank’s Complaint Resolution Standards and Procedure’s and Privacy Code.
  • o Taking full responsibility for resolving all customer/branch inquiries, and de-escalating concerns/complaints.
• 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.
• Champions a high performance environment and contributes to an inclusive work environment.

Reporting Relationships (Job Titles only)
Primary Manager:
(include secondary Manager if applicable) • Manager, Credit Solutions
Direct Reports: • N/A
Shared Reports (solid/dotted if applicable): • N/A

Education / Experience / Other Information

The incumbent requires:

• English language skills at the Advanced level
• High School diploma and a minimum of 1 years of relevant working experience
• Minimum of 1 years of relevant working experience in customer service ( BPOs is a plus)
• Basic computer skills, including common software tools (Microsoft Office products)
• Sound judgment in conducting credit investigations and making retail credit recommendations.
• Basic knowledge of Bank retail lending products including credit cards and lines of credit.

Location(s): Colombia : Bogota : Bogota

Scotia GBS is a Scotiabank Group company located in Bogota, Colombia created to support different processes of the Bank and the development and execution of its global services strategy in 15 countries in the Americas. It is composed of 7 service units. We offer an inclusive, positive work environment, and competitive benefits.

At ScotiaGBS, 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.

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