Income Officer - Automotive Finance

Requisition ID: 273133 

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

Purpose:

Contributes to the overall success of the Income department of the Dealer Centre of Excellence in Canada ensuring specific individual goals, plans, initiatives are executed and delivered in support of the team’s business strategies and objectives.  Ensures all activities conducted are in compliance with governing regulations, internal policies and procedures.

Is this role right for you? In this role, you will:

• Champions a customer focused culture to deepen client relationships and leverage broader Bank relationships, systems and knowledge.
• Contributes to loan growth and profitability by:  
• Verifying income details and documentation from Dealers and determining customer affordability according to established guidelines;
• Comparing and contrasting employment, income and loan application information with telephone conversations held between the Income Analyst and dealer, customer’s employer(s) or customer;
• Reporting and escalating any unusual occurrences or fraudulent activities in the verbal and written employment status and income verification process per established procedures;
• Referring exception income situations to the Senior Income Analyst, Manager, or GRM ACE, as required for review and resolution.
• 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 their 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.
  
  

Do you have the skills that will enable you to succeed in this role? We’d love to work with you if you have:

• Previous experience in a customer service capacity utilizing the telephone as the primary means of communication is preferred.
• Previous experience in verifying the accuracy of contracts combined with the analysis of income and income sources is preferred.
• Knowledge of Microsoft operating systems including Word, Excel, and Outlook.
  
  

What's in it for you?

• The opportunity to join a forward-thinking organization where you are surrounded by a collaborative team of innovative thinkers.
• An organization committed to making a difference in our communities– for you and our customers.
• You can expect to be recognized and rewarded for high-performance. You’ll be supported by leadership through meaningful development conversations that enable faster advancement and internal training to support your growth and development.
• You’ll receive clear, transparent criteria to progress in your career.

Working Conditions

• Work in a standard office-based environment; non-standard hours do occur sometimes. 
• Hours of operation are 8 a.m. to 8 p.m. Monday to Saturday -- you will be scheduled within these times. 

In addition to French, the successful candidate must also have sufficient knowledge of English, as the work involves interacting and collaborating regularly with groups and individuals based in Toronto, as well as constantly interacting with other people, including clients, who speak English, locally and elsewhere 

Location(s):  Canada : Quebec : Anjou 

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. If you require technical assistance, please click here. 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.