Job Description & How to Apply Below
• edmonton ab
Reviews, analyzes and evaluates credit applications, in accordance with policy and procedures, to authorize credit for customers, within designated discretionary lending limits.
Collaborates with business partners by providing credit support / solutions / recommendations through the credit adjudication process.
Key Accountabilities:
Customer:
Ensure all credit decisions (approval / decline) within assigned limits are fulfilled on certain credit products efficiently and effectively, meeting service level agreements (SLAs)
Provide credit support / solutions / recommendations when evaluating / analyzing credit applications for decisions in accordance with bank policies and procedures
Ensure customer concerns / issues are handled appropriately and resolved in a timely manner, elevate when required
Positively contribute to the overall customer experience and foster good relationships with internal and external partners
Contribute to the ongoing improvement of the customer experience within the Business Area
Create and/or recognize exceptional customer service through established programs
Shareholder:
Prioritize and manage own daily workload to meet SLA requirements for service and productivity
Accurately decision credit deals within established standards and limits and adjudicate within compliance guidelines
Contribute to the achievement of satisfactory audits by understanding & following audit and process guidelines
Identify areas of risk and escala as necessary
Follow internal and industry regulations and operating policies when analyzing / completing credit decisions for business partners and customers
Make well rationalized credit decisions that reflect business intentions and are consistent with relevant rules / regulations
Identify areas of risk and escala as necessary
Understand and apply Bank credit policies and procedures
Identify and recommend opportunities to enhance productivity, effectiveness and operational efficiency
Be knowledgeable of and comply with Bank Code of Conduct
Employee / Team:
Participate fully as a member of the team, support a positive work environment that promotes service to the business, quality, innovation and teamwork and ensure timely communication of issues/ points of interest
Support the team by continuously enhancing knowledge / expertise in own area and participate in knowledge transfer within the team and business unit
Participate in personal performance management and development activities, including cross training within own team
Keep others informed and up-to-date about the status / progress of projects and / or all relevant or useful
information related to day-to-day activities
Contribute to a fair, positive and equitable environment that supports a diverse workforce
Act as a brand ambassador for your business area/function and the bank, both internally and/or externally
Breadth & Depth:
Works autonomously within established procedures focusing on performing credit underwriting /adjudication on a narrow range of simple credit products
Provides authorization required for credit adjudication based on the Bank's Discretionary Lending limits criteria
Sound knowledge on credit products, end-to-end credit processes and systems for own specialized area
Sound knowledge and understanding of the operating environment, business process and procedures, and credit lifecycle for own area (e.g., processing environment, applications, software, hardware, products)
Sound level knowledge with some form of related training and/or related experience or skills
Ability to execute on routine requests
Identifies key operational / reporting / process issues for own area
Provides thorough analysis and/or specialized reporting or operational/process…
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