Credit Specialist

Scotiabank; Bogotá, Distrito Capital; Presencial; COP 33.480.000 - 55.800.000; Jornada completa

Descripción de la vacante

Scotiabank is seeking a Credit Specialist in Bogotá, Colombia, responsible for reviewing and underwriting retail credit applications. The ideal candidate should have at least 2 years of customer service experience and advanced English skills. Key responsibilities include conducting thorough credit investigations and ensuring adherence to banking policies. This role offers opportunities to deepen client relationships and promote other bank products. Interested candidates must apply online to be considered for this opportunity.

Formación

• Advanced English language skills required.
• Minimum of 2 years of relevant working experience in customer service.
• Basic knowledge of retail lending products including credit cards and lines of credit.

Responsabilidades

• Conduct thorough review of credit applications.
• Underwrite and decide on applications while adhering to approval limits.
• Validate identity of applicants as part of the review process.

Conocimientos

English language skills (Advanced)

Customer service experience

Basic computer skills

Sound judgment

Educación

High School diploma

Herramientas

Microsoft Office products

Descripción del empleo

Requisition ID: 258560

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

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 decides 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: reviewing and authorizing conditionally approved applications for accuracy and consistency in all credit policies.
• Executing thorough credit investigations and providing sound recommendations/approvals within assigned limits (see Appendix A) on loan applications and credit related services.
• Conducting effective telephone communications in order to complete/conclude credit investigations while maintaining the confidentiality of the Bank and customer.
• Performing enhanced due diligence and adhering to full investigation as per KYC procedures.
• Responding to correspondence concerning credit enquiries and problems from customers and branches.
• Validating identity of applicant using current and relevant processes.
• Reporting fraud through proper channels when identified.
• 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 ensuring the inbound/outbound calling authentication procedure is followed.
• 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.
• 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.
• 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.
• 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

• Primary Manager: Manager, Credit Solutions
• Direct Reports: N/A
• Shared Reports: N/A

The Incumbent Requires

• English language skills at the Advanced level
• High School diploma and a minimum of 2 years of relevant working experience
• Minimum of 2 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.

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. Candidates must apply directly 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.