Job Description

Structure and preparation of credit assessments/applications. Understand credit ratings and return assessments together with recommendations regarding impact to profitability and availability of capital. Analyze rent rolls, construction budgets, and Project Monitor reports. Understand Loan to Value (LTV), Costs to Complete/Costs in Place formulas (CTC/CIP) and Loan to Cost (LTC). Financial modeling and sensitivity analysis of projections. Capital structure analysis with recommendations on alternate capital structures. Industry and benchmarking assessments, including key drivers and trends. Valuation analysis, security analysis with relevant recommendations. Manage a portfolio focusing primarily on the senior debt relationship with the client. By working closely with the Sales Director, identify opportunities to enhance the profitability of the portfolio. Ensure underwriting recommendations are in accordance with sound principles and ATB lending policy and procedures. Demonstrate ownership and oversight with sound credit practices and judgment to mitigate and control risks related to the portfolio. Ensure that ATBs risk appetite, conditions of credit and documentation are maintained. Coach, mentor, and exude leadership qualities as well as acting as one of the primary customer contacts (together with the Sales Director) thereby ensuring customer service expectations and credit quality are maintained. Represent ATB by attending community and industry networking events, focusing on developing industry connections and market intelligence. 5+ years of experience including progressively complex roles with a specific focus on commercial real estate lending and/or corporate finance. Undergraduate degree in business commerce, economics, or a related field. Chartered Financial Analyst accreditation or Graduate level education is an asset. Strong communication skills with demonstrated ability to build relationships with external clients and internal teammates. Exceptional analytical capability and financial acumen with proven ability to develop financial analysis of mid to large organizations and complex business issues. Excellent priority management with capability to manage multiple transactions, initiatives and daily activity to best meet the needs of the client, internal partners, while mitigating risk. Advanced problem solving skills and ability to take initiative to find and execute innovative solutions. Ability to present complex issues effectively at all levels in the organization and effectively influence others. A resume only goes so far in expressing who you are and the unique perspectives you bring. If you believe your skills and experience align with the role-but you might not check all the boxes-we want to hear from you. We encourage candidates from all work backgrounds, equity-seeking communities and experience levels to apply. If you're seeking a career where your drive, perspective and growth are celebrated, we want to hear from you. We're dedicated to building a workforce reflective of those within our communities, and a culture where our team members are equipped with what they need to succeed-their way. Part of creating an inclusive workplace is recognizing our role in advancing Truth and Reconciliation. We are committed to meeting and exceeding the standards set out in the Partnership Accreditation in Indigenous Relations program created by the Canadian Council for Aboriginal Business. What happens next? If you are shortlisted, you'll hear from us after the posting closes. Check out our How We Hire page to learn more about our hiring process. If you need any accommodations throughout this process, please let us know at talentteam@atb.com Stay in touch We're excited that you're interested in a career with ATB. Follow us on LinkedIn, Facebook and Instagram to learn more about what our team is up to.