Job Description: The Credit Solutions Manager leads a team in the Global Operations and is responsible for coaching and developing direct reports to ensure operational effectiveness and appropriate credit decisions. They ensure quality credit decisions are made and proper measures are taken to comply with policy and internal controls. Purpose: The Credit Solutions Manager regularly assesses processes and looks to develop enhancements that have a mutually beneficial impact on customers and the Bank. Accountabilities: - Leads and drives a customer-focused culture throughout their team to deepen client relationships and leverage broader Bank relationships, systems, and knowledge. - Ensures effective and efficient operations: - Conducts thorough investigations, analysis, and application of sound credit judgment principles in underwriting credit for Credit Cards, ULOC, and ODP within assigned limits. - Provides resolution and response on complex problems (escalations) via telephone/correspondence to customers, branches, Office of the President, and other internal partners. Reporting Relationships: - Primary Manager: Senior Manager Mortgage Operations, Dotted line reporting to Director, Retail Payments & Unsecured Lending Operations - Direct Reports: Credit Specialist, Level 05 - Shared Reports: N/A Dimensions: Appendix A - Retail Lending CCUL Operations Approval Authority The manager is guided by policies in Manuals & Guides on Intralink and exceptions to policy provided by Global Risk Management. Unless specifically noted that exceptions are not available, any exceptions to policy must be referred to the ACE for review. - CCUL Operations APPROVAL LIMITS – NOTES: 1. The following criteria apply to delegated lending limits: a. SAM has approved the credit application and no other policy exceptions exists. b. Where the amount to be approved exceeds the officer's specific approval limit, the credit must be referred to the Manager for approval. c. The approval limits are on a per transaction basis (see examples below). Multiple transactions for one customer may be approved when: i. The amount request is within the officer's limit, and ii. The product limit is not exceeded by adding the current request to the customer's existing credit limits for the same product. iii. The approval is not an amount in excess of the amount approved by SAM. 2. The overall total customer indebtedness is controlled by SAM and, where applicable, the ACE. CCUL Operations may authorize SAM-approved individual credit requests on a per transaction basis if the amount does not exceed assigned limits or product maximums. • Where a customer has multiple accounts of a product (e.g., multiple credit card accounts), the total of the limits cannot exceed the product maximum (refer chart below). • The entire approved Scotia Student line limit should be considered for indebtedness. In the absence of the CCUL Operations Unit Leader, requests requiring the Director's authorization can be approved providing the approval is signed by two CCUL Operations Managers: one being the CCUL Operations Manager who processed the application and the other being the CCUL OPERATIONS Manager designated by the Director to act on his/her behalf during his/her absence. Required Skills and Qualifications: - College diploma/Bachelor's degree from an accredited institution and/or a minimum of 5 years of relevant working experience - Previous supervisory/management experience is required - English language skills at the Advanced level - Expert knowledge of Consumer Credit and related operating procedures. - Thorough knowledge of the Bank's Customer Information System, KS/KV, Image, PEGA, AS400 is an asset - Ability to work in a high-volume environment with strict service standards and diversity of programs. Benefits: GSGlobales offers an inclusive, positive work environment, and competitive benefits. We value the unique skills and experiences each individual brings and are committed to creating and maintaining an inclusive and accessible environment for everyone. Candidates must apply directly online to be considered for this role. ],