Title: Senior Manager and Team Lead, Credit Risk, Retail

Requisition ID: 277609

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

Leads and oversees Adjudication Centre of Expertise/Global Operations in Canada ensuring business strategies, plans and initiatives are executed / delivered in compliance with governing regulations, internal policies and procedures.

ACE’s role is to review credit applications requiring an exception for Retail Branches, Private Banking, Indirect Mortgage and Indirect Auto, Small Business (Branch, Health Care & Professional Banking, and Agriculture). ACE enables superior credit adjudication experience for customers, employees, and partners that is aligned to the Risk Framework of the Bank.

The Senior Manager and Team Lead, Credit Risk leads a team within ACE and is accountable for translating business strategy into clear priorities, sustained operational performance and a strong risk culture. The incumbent owns outcomes across the team, anticipates emerging risks and capacity pressures, and works across channels to support One ACE and broader Canadian Banking objectives.

The incumbent manages the team by exercising expert credit judgement, providing quality credit exception decisions, and supporting team members in further development of credit skills. The incumbent champions and adapts to significant complexities in credit decision-making. The incumbent is responsible for ensuring efficient and effective use of resources to ensure consistent and timely decisions that reflect a high quality of customer service. Decisions credit requests within the risk framework of the Bank while adhering to Bank policy and established exception authority.





The incumbent will manage and oversee key priorities which include Lean management activities, mentorship, formal coaching, employee development, assessment and review of Escalations and Appeals, as well as Partner interaction.

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

- Leads and drives a customer focused culture throughout their team to deepen client relationships and leverage broader Bank relationships, systems and knowledge.

Leads an assigned group of Managers, Credit Risk by:

- Establishing clear, measurable performance and behavioural expectations; using data and direct observation to monitor progress, distinguish root causes from explanations, and intervene early when results or risks are off track
- Providing timely, candid and actionable coaching that builds judgement, accountability and capability; adapting the approach to the individual and following through to confirm sustained improvement
- Identifying behavioural and functional skill gaps and working with team members to develop and implement action plans
- Leading change with explicit context and disciplined execution, constructively challenging where appropriate while ensuring agreed changes are adopted and sustained
- Leading by example in all employee & Partner interactions in the areas of communication, service delivery and Partner relationships
- Leading the development,



mentorship and performance management of Managers, Credit Risk as required.
- Recruiting, hiring and promoting team members in order to support Career Development and meet department needs

Provide high quality and in-depth credit decisions by:

- Effectively analyzing partner requests, complex application information and associated documents
- Ensuring consistent application of policies and processes to credit decisions, including adherence to regulatory requirements
- Exercising expert credit judgement and skills in approving and declining credit applications within established limits
- Ensuring accurate and complete documentation of rationale for every credit decision; including the assessment of the applicable 5 Cs of credit.
- Presenting sound and effective recommendations on credit requests above established limits.

Deliver an effective and timely customer experience by:

- Ensuring all partner interactions are professional, respectful, and value added
- Provide recommendations, alternatives or restructure credit requests, as appropriate, within the risk appetite of the Bank
- Provides coaching, direction and guidance to team and partners relating to credit applications as required
- Acting with a sense of urgency in response to partner requests and inquiries to assist in meeting customer needs and expectations

Contribute to ACE objectives/commitments by:

- Delivering against established ACE Service Level Agreement targets by:
- Consistent achievement of team KPI target as established
- Proactively managing workforce capacity, queues and priorities; surfacing emerging risks early, with practical options, so t

📌 Senior Manager and Team Lead, Credit Risk, Retail (Mississauga)
🏢 Scotiabank
📍 Mississauga