Senior Manager, Mortgage Capital Markets Credit Risk

Senior Manager, Mortgage Capital Markets Credit Risk Requisition ID: 250944 Salary Range: 120,900.00 - 231,400.00 _Please note that the Salary Range shown is a guideline only. Salary offered may vary based on factors, including, but not limited to, the successful candidateu2019s relevant knowledge, skills, and experience._ Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture. Title: Senior Manager, Mortgage Capital Markets Credit Risk Global Banking and Markets Global Banking and Markets (GBM) is a leading Canadian Capital Markets and Investment Banking business with a growing platform in the US and Latin America, operating globally for over 100 years. Scotiabanku2019s strong U.S. presence provides our clients an important bridge to this key global market for trade and investment flows across the Americas and the world. Global Banking & Markets provides a full range of investment banking, credit and risk management products and services relevant to the financing and strategic development needs of our clients. Our products include debt and equity financing, mergers & acquisitions, corporate banking, institutional equity sales, trading and research, fixed income products, derivatives, energy, foreign exchange and precious & metals. We also cross-sell the full range of wholesale products and services offered by the Scotiabank Group. Be part of an innovative, Global Capital Markets and Investment Banking business with a unique geographic footprint that puts capital to work for our clients across industries We work together to drive ambition for every future Purpose The incumbent will cover the U.S. Mortgage Capital Markets. The position will be located in Houston and report to the Director, Mortgage Capital Markets. The incumbent will ensure that specific individual goals, plans and initiatives are executed and delivered in support of the Banku2019s business strategies and objectives; and that all credit activities are conducted in compliance with governing regulations, as well as internal policies and procedures. What Youu2019ll Do + Product coverage is broad and will include loans, loan products, derivatives, securities products, banking products, etc. + Manage a portfolio of individual accounts within the Mortgage Capital Markets portfolio. Exhibit the ability to perform in-depth financial and credit risk analysis, manage transaction flow independently, present transactions effectively at Corporate Senior Credit Committee and coordinate the transaction approval process as necessary with senior management. + Support Director and senior management in establishment of mortgage capital markets risk framework, which includes preparing and implementing lending guidelines, setting and monitoring limits, and taking a lead role in preparing and presenting industry reviews. + Ensure prompt and complete adjudication of credit applications and credit reviews, with sound, accurate and concise recommendations. + Champion a client focused culture by developing productive relationships and high level of collaboration with Corporate Banking & Execution teams, as well as business line colleagues that will deepen client and industry knowledge. + Leverage the client and industry knowledge to inform and educate daily credit risk management decisions within the Banku2019s risk appetite and culture across all day-to-day activities and decisions. + Provide leadership and training to credit analyst team and new joiners, particularly with regard to day-today functionality, standardization of communication and processes across the team, guidance on application of policies and procedures. + Provide guidance and advice as a mortgage capital markets subject matter expert on topics such as deal structure, regulatory topics and broad industry issues to junior credit staff or banking team on credit topics as needed (and escalate as necessary).When necessary, work with IT and system developers as credit risk subject matter expert in the development of credit risk portfolio and transaction workflow MIS tools. + When necessary, work with US Credit Risk Governance and Reporting team to design and develop data quality tools and validation processes. + Identify risk mitigation opportunities and assist in the development of portfolio reports that support the credit risk function. + Assist in preparing information for and responding to questions from audit, loan review and regulatory authorities. + Ensure that all credit adjudication(s) and daily practices adhere to Bank policies and procedures. What Youu2019ll Bring + Minimum a Bacheloru2019s degree in a related discipline. Master's degree, recognized professional designation in a specialized area of finance or business, or equivalent, is an asset. + 3-5 years of experience in financial and credit risk analysis specific to businesses within the mortgage warehouse industry domain; + Understanding of the lending policies, procedures and practices; + Understanding of credit risk, and the structures and protections required for the exercise of credit analysis, including knowledge of corporate lending products and documentation; + Knowledge of financial projections and sensitivities; + Creative problem solving and the ability to motivate others and implement new solutions. Interested? At Scotiabank, every employee is empowered to reach their fullest potential, respected for who they are and, embraced for their differences. Thatu2019s why we work to grow and diversify talent and engage employees in a performance-oriented culture. What's in it for you? Scotiabank wants you to be able to bring your best self to work u2013 and life, every day. With a focus on holistic well-being, our many flexible benefit programs are designed to help support your unique family, financial, physical, mental, and social health needs. Location(s): United States : Texas : Houston United States : Texas : Dallas Scotiabank is a leading bank in the Americas. Guided by our purpose:

Created: 2026-03-07