Retail Credit Specialist - Underwriter & Customer Impact

Scotiabank; Bogotá; Presencial; COP 30.000.000 - 42.000.000; Jornada completa

Descripción de la vacante

ScotiaGBS in Bogota seeks a Credit Specialist to review conditionally approved retail credit applications, underwrite and decide within approved limits, and ensure all SAM/KYC requirements are met.

You will validate applicant identities, conduct due diligence, respond to inquiries from customers and branches, and maintain confidentiality while supporting customer relationships and cross-selling opportunities.

Formación

• English language skills at B1+ / B2
• High School diploma or studying with a minimum of 6 months of relevant working experience
• Basic computer skills, including 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.
• Previous telephone/telemarketing experience

Responsabilidades

• 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.

Conocimientos

English proficiency B1+/B2

Telephone/telemarketing experience

Customer service orientation

Analytical thinking

Decision making under guidelines

Educación

High School diploma or studying

Herramientas

Microsoft Office

Descripción del empleo

ScotiaGBS in Bogota seeks a Credit Specialist to review conditionally approved retail credit applications, underwrite and decide within approved limits, and ensure all SAM/KYC requirements are met.

You will validate applicant identities, conduct due diligence, respond to inquiries from customers and branches, and maintain confidentiality while supporting customer relationships and cross-selling opportunities.