Purpose

The Front-end Advisor is responsible for the maximization of collection recoveries on assigned Credit Products while minimizing collection costs and loan losses. The incumbent conducts timely, effective collection follow up/activity on assigned Credit products in varying stages of arrears and on accounts where a potential for risk to the Bank has been posed. The incumbent is expected to manage outbound and inbound calls with adherence to established methodology by performing timely recovery. The incumbent should reduce delinquency rates through effective management, persuading the client towards a solution advising and offering appropriate payment solution schemes. The incumbent should use a great deal of creativity and perseverance in the management of problem accounts so as to gain customer cooperation, preventing roll-over to the Non-Accrual/Charged-off category and protecting the Bank's interest.

Accountabilities

Collect assigned accounts as per Collection Strategy, give attention to incoming collection calls, ensuring that all relevant information is recorded in the collection systems.
Verify and classify the type of customer contacted and utilize appropriate Collection process based on his/her credit history.
Act in a timely manner to identify the risk associated with all Credit Products assigned (manual and automated) enabling prompt action to minimize loss and secure the Bank's position.
Conduct timely and constructive collection activity by telephone, letter, or other appropriate means to facilitate prompt resolution and/or finalization of accounts.
Ensure security procedures are strictly adhered to and that documentation and use of terminals/computers are properly safeguarded/controlled, immediately reporting any variance to the CSCU Manager.
Ensure information placed on the Bank's books/systems or that is otherwise communicated is accurate.
Recommend appropriate change to policy and procedures that will provide efficient operations, meet commitments to customers, and eet custody and security policies.
Presenting effective solutions to customers - being upfront and honest when the Bank cannot provide the solution they seek, offering an explanation as to why and suggesting alternatives.
Ensuring problems are adequately documented.
That matters within your discretion are resolved to the customer's satisfaction or where they are not within your discretion that they are referred to Sr. Management for resolution.
Recommending actions that will prevent recurring problems, where possible.

Education / Experience / Other Information

Proven communication skills to optimize collection effectiveness.
General knowledge of legislation and legal proceedings as all legal implications has a direct impact on recovery and losses.
Basic PC skills (i.e. familiar with Windows and able to work within Windows based programs).
Organizational and motivational skills and the ability to prioritize/delegate and deal with a variety of tasks and situations on an ongoing basis.
Very good negotiation and analytical skills in order to coordinate and present alternatives to customers.
Very good written skills as collection related correspondence must be presented in an informative, concise and professional format.

Qualified candidates should apply using the link and submit C.V. via email to: hrbahamas@scotiabank.com on or before January 29th, 2026. Please note that only those individuals short-listed for an interview will be contacted. Kindly put the job title in the subject line when applying.

Scotiabank

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Front End Collections Advisor (6 months)