Job Description

Our bottom line is different.

There\xe2\x80\x99s something special about working at ATB, and it\xe2\x80\x99s been recognized on every that matters. Maybe it\xe2\x80\x99s our exceptional culture where your is supported through market-leading benefits and you\xe2\x80\x99re free to bring your whole self to work. Maybe it\xe2\x80\x99s our commitment to a growth mindset and our unrelenting thirst for for fellow Albertans\xe2\x80\x94even the ones who aren\xe2\x80\x99t our clients.

Whatever it is, you won\xe2\x80\x99t find a more genuine, driven and knowledgeable group of humans anywhere. We foster a culture of purpose, performance and possibilities. We engage with intense curiosity, and bring our whole selves to work, every day. We know it starts with people like you, so take a chance and start with us.

Department: Risk Management

Job Number: REQ6016

Location: Alberta preferred (this is a fully remote opportunity, with the option to work in-office; occasional travel to Calgary/Edmonton will be required) #LI-Remote

Apply by: April 16, 2023

Paygrade: M-OTH

# Positions available: 1

System Job Title: Loan Review Mgr 8

Leader Name: Director, Business & Corporate Loan Review

The Loan Review team is on a journey to increase the value it provides to ATB\xe2\x80\x99s team members by expanding the Business Loan Review team. We are seeking a Corporate Loan Review Specialist who is experienced in lending to mid-market and large corporate businesses and is keen to apply that knowledge in assessing the effectiveness of ATB\xe2\x80\x99s credit granting activities and assessing the quality of ATB\xe2\x80\x99s loan portfolios. The Specialist will have a desire to work collaboratively with Risk Management and AoE team members to ensure timely recommendations enable continuous improvement in the effectiveness of credit granting activities.

Reporting to the Director, Business and Corporate Loan Review, the Corporate Loan Review Specialist conducts post reviews of funded loans to ensure the degree of risk has been accurately identified. As a second line of defense accountability, the review of loans is credit quality based, and provides an independent view of the overall quality of the borrower and associated risks.

The role ensures the control practices within areas of designated authorities, underwriting, collateral and overall credit quality are being carried out at an acceptable level in accordance with ATB\xe2\x80\x99s credit policies, business rules and sound credit granting principals to ensure ATB credit assets are well managed and protected. The role identifies significant issues, associated impacts and causes which are reported to ATB Business, Risk Management, Internal Control teams and other levels of management throughout the organization. The Corporate Loan Review Specialist is responsible for providing objective assurance via reporting to identify all significant credit risks and ensure they are being well managed and controls are effective and efficient.

You will find success based on your ability to:

• Oversee the assessment of the risk rating of credit deals, ensuring the rating process was done correctly and loan abided by the credit risk appetite.
• Oversee & review portfolio monitoring, including quality assurance activities.
• Prepare reports, which detail findings and recommendations outlining the significant issues, associated risks and impacts, and causes.
• As a second line of defense function, be able to assess a file through the lens of a credit quality, as opposed to an operational approach.
• Display fierce and personal accountability by consistently achieving the targets set for timeliness and accuracy.
• Review and suggest proposed changes to ATB\xe2\x80\x99s Credit Policies, Business Rules and Processes to provide advice on the adequacy and effectiveness of controls.
• Develops loan review methodology, processes and procedures
• Act as a trusted advisor to leaders on how to improve the larger credit approval process
• Driven by performance by identifying process gaps and inefficiencies in Loan Review and recommend/implement changes to address them.
• Capably apply your technical background by working with various software programs, specifically an understanding of the Google suite of products
• Develop, maintain and improve loan review data or information requirements/quality.
• Proactively identify and assist to remediate any data gaps which impact Credit and Risk Management\xe2\x80\x99s ability to accurately and efficiently report on Business Bankings credit portfolio.
• Create a positive impact on the control environment.
• Be an all-in oneATB team member and seen as a go-to for team, and a subset of business units within ATB

Requirements

As an ideal candidate you have either experience in, or a natural ability to:

• Oversee business lending, specifically corporate lending, with a direct lending or adjudication role serving medium to corporate sized business segments, including an understanding of financial statements, loan agreements, and ratio calculations
• Utilize Google based products, and the capability to potentially work with new software
• Apply superlative verbal and written communication skills with senior audiences
• Apply strong analytical skills, and be diligent with the details
• Work collaboratively
• Self-teach new loan review and credit risk topics
• Discuss opportunities and dig for information with Loan Review leaders
• Effectively and autonomously manage relationships with increasingly senior/important stakeholders

At ATB, we know that as you develop in your career, you gain many transferable skills. If you believe your experience and qualities are what we are looking for, please consider applying.

Online applications are preferred. Please reach out if you require any accommodations.

Benefits

Be great. Be you. Believe.

We are dedicated to building a workforce reflective of the diversity within our communities and creating an environment where every team member has what they need to reach their potential. We encourage candidates from all equity-seeking groups to apply.

What happens ?

Thank you for applying online. If you are shortlisted for this opportunity, you will hear from us after the posting close date regarding next steps. We might ask you to participate in a or phone interview. If you require any accommodations, please let us know.

Stay in touch!

ATB is excited to know you\xe2\x80\x99re interested in a career with us! Follow us on , and to get the inside scoop on what our team is up to.

ATB Financial