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Senior Analyst, Credit Analysis & Support Team - Automotive Finance

Scotiabank

Hamilton, ON

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    Save this job      2025-08-11

Senior Analyst, Credit Analysis & Support Team - Automotive Finance

Scotiabank

Hamilton, ON
 
Salary: Information not available
 

 

 

 

Requisition ID: 230541

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

 

Senior Analyst, Credit Analysis & Support Team (National Accounts) - Automotive Finance

 

Two (2) full-time permanent positions available at the 120 King Street West, Hamilton, ON office location.

 

The Senior Analyst, Credit Analysis & Support Team is responsible for contributing to the profitable growth and quality of the Commercial Automotive portfolio by performing credit administration tasks to the highest standard of quality for their assigned portfolio. These tasks include financial spreading and analysis, rating activities, monitoring of required conditions, maintaining complete monitoring systems and other credit/or fulfillment activities. The Senior Analyst will also be responsible for credit tasks, including supporting Sr. Client Solutions Managers (Sr. CSMs) and Client Solution Managers (CSMs) in preparation of credits.

 

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

  • Process and Analyze Customer Reporting items (interim and annual) by:
    • Maintaining a complete monitoring system (i.e. “Task Manager”) to ensure interim reporting is completed in a timely manner;
    • Updating Task Manger and Scotia Dealer Link with necessary information to ensure accuracy of the customer reporting requirements (this includes various data such as annual review date, frequency etc);
    • Completing the spreading of interim financial statements in Moody’s Risk Analyst/CreditLens in an accurate and timely manner as per authorized frequency requirements
    • Performing trend analysis to monitor the health of client accounts and help determine client risk ratings;
    • Identifying and actioning customer reporting items that are overdue, and following up with customers for overdue items that are between 0 and 60 days overdue. The objective is to minimize the number of items outstanding beyond 60 days which would otherwise need to be escalated;
    • Supporting the offside conditions / material deterioration processes by:
      • Escalating offside conditions, covenants and material deterioration
      • Updating Task Manager to identify offside reporting conditions and removing flag when authorized

 

  • Support the Annual Review process and preparation of credit correspondence by:
    • Analyzing client files in Task Manager to determine annual review and rating refresh reporting items that are due;
    • Preparing/completing spreads of annual financial statements, and projections in Moody's CreditLens;
    • Performing structuring and analytical functions, along with other due diligence activities on deals;
    • Assisting with credit tasks to support Sr. CSMs and CSMs in the preparation of credits;
    • Ensuring client files are complete and up to date in Scotia Dealer Link and Task Manager, and that all relevant correspondence and authorizations related to the Annual Review process are properly stored in the Shared Document Repository (SDR);
    • Ensuring fees, pricing, IG and authorized limited changes are correctly processed/resolved as required and systems (Task Manager and Scotia Dealer Link) updated as required to reflect the information outlined in the Credit Authorization;
    • Liaising with syndicate banks in gathering due diligence and information required to complete analysis and answer questions (if Scotiabank is agent;
    • Support the completion of conditions precedent and ensure all required steps are completed prior to completion on Task Manager; 
    • Providing other administrative support as required for credit/or fulfillment activities.

 

  • Ensuring adherence to the Bank’s Anti-Money Laundering program, Know Your Customer requirements and Guidelines for Business Conduct, by reporting any unusual occurrences or fraudulent activities per established procedures

 

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

  • Sound credit skills (must be able to write up deals, spread financials, assess risk and draw conclusions).
  • Intermediate accounting and financial statement analysis.
  • Solid problem solving skills and solutions oriented.
  • Good written and verbal communication skills.
  • Good knowledge of the industry lines the DFC is serving (Automotive floor planning, wholesale leasing and commercial real estate.
  • Good knowledge of all commercial lending products
  • Ability to use personal computer programs; Word & Excel, and relevant specialized software (examples:  SDL, Task Manager, CreditLens).

 

What's in it for you?

  • Work in a standard office-based environment; non-standard hours are a common occurrence.
  • The opportunity to join a forward-thinking organization where you are surrounded by a collaborative team of innovative thinkers.
  • A competitive compensation and benefits package.
  • 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

  • This role is located at the 120 King Street, Hamilton, Ontario location. This is currently a hybrid position. Non-standard hours may be required from time to time. 

 

Location(s):  Canada : Ontario : Hamilton 

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.

About Scotiabank

The Scotiabank Veterans Network (SVN) is committed to supporting veterans, reservists, and military spouses by recognizing and valuing their unique skills and experiences. As a military-friendly employer, Scotiabank actively promotes the integration of veterans into civilian careers by offering a wide range of employment opportunities across the Bank.  SVN plays a key role in this effort, leading initiatives such as a mentorship program designed to support both current and transitioning veterans.

The team was instrumental in driving recent enhancements to Scotiabank’s reservist leave policy and organized the inaugural Valour and Vision Expo in Q4 2024, where industry leaders pledged to support veterans entering the civilian workforce.  In February 2025, Scotiabank proudly served as the lead Banking Sponsor of the Invictus Games, an international multi-sport event that aids in the rehabilitation of wounded, injured, and ill service members—both active and retired.

Additionally, SVN hosts a variety of events throughout the year, including leadership symposiums and annual Remembrance Day ceremonies, to honor and support the military community.