Back to jobsChampions a customer focused culture to deepen client relationships and leverage broader Bank relationships, systems and knowledge.
Contributes to loan growth and profitability by: analyzing customer loan applications from Dealers and determining customer affordability by reviewing customer credit history, employment and income according to established guidelines; performing structured and analytic functions on loan applications through the Business Line’s credit decisioning system; completing risk assessments and developing recommendations as to the appropriate course of action for customer loan applications; conducting analysis to support pricing and/or fee recommendations for loan applications and analyzing, processing and recommending loan amendments or pricing concessions requests from dealers.
Ensures sound and timely due diligence in loan underwriting by: ensuring customer loan applications from Dealers are properly and accurately investigated, evaluated and documented; following up on outstanding loan related information and managing the credit review process for assigned loan applications; referring exception credit situations to the Manager, Credit as required for speedy escalation and equitable resolution through GRM ACE.
Understand how the Bank’s risk appetite and risk culture should be considered in day-to-day activities and decisions.
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 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.
