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 top employer list that matters. Maybe it\xe2\x80\x99s our exceptional culture where your total wellness 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 making it possible 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: Everyday Financial Services (EFS) Job Number: 6268 System Title: Mortgage Underwriter 4-5 Location: Alberta (This is a fully remote opportunity; occasional travel to Calgary/Edmonton may be required) #LI-Hybrid Apply by: June 4, 2023 Paygrade: I/J-PFS, depending on skills & experience Leader Name: Manager, Mortgage Underwriting
As ATB\xe2\x80\x99s next Mortgage Underwriter, you play a key role in the approval process for all mortgage applications sourced by the Mortgage & Broker Services Sales team. All this is done within their lending limits and in accordance with service level agreements, compliance and the knowledge Guide. Key Responsibilities

• The Underwriter will conduct detailed credit analysis preceding the granting of a loan, based on credit information provided by the borrower.
• This position demands a high level of service quality, credit decisioning and the ability to coach and counsel various members of the sales team regarding deal presentation and source documents provided. This includes the Credit quality of all source documents required to support the application.
• Applications outside of lending limits are referred to the Manager, Underwriting or Retail Credit with recommendations.
• The Underwriter will coach and counsel various members of the Mortgage & Broker teams regarding deal presentation and source documents provided.
• On a daily basis, provide the highest level of internal and external client service while fielding inquiries and building strong relationships.
• Works towards constant refinement and streamlining of credit processes in order to reduce costs, improve turnaround times or improve credit quality while balancing the expectations of sales team members, clients and ATB Financial.

Requirements Accreditation

• Post Secondary Degree/Diploma in Finance, Business or related experience is required.
• Minimum of 5 years lending experience
• Mortgage fraud detection courses/programs is an asset.

Key Relationships

• On a daily basis the Underwriter has contact with sales team members to provide direction regarding credit, operations and risk.
• Interacts with Retail Credit and other corporate partners to ensure customer, sales team members, and ATB\xe2\x80\x99s risk management expectations are met.

Core Skills

• Is an influencer with strong consulting and communication skills; is able to promote consistency of practice and employ flexibility in their approach.
• Recognized as an expert in their own area within the organization.
• Proven ability to execute on strategies that establishes a new bar for client service excellence within the Retail Banking Industry.
• Experience analyzing financial data & structuring credit recommendations.
• Experience reading and interpreting personal financial statements and information.
• Underwriter experience with Mortgage and land secured lending is a necessity.

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. Interested? If you know one of our team members, BEFORE applying reach out to them and ask them for a referral link to help your application stand out. 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 next? 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 digital interview 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 LinkedIn, Facebook and Instagram to get the inside scoop on what our team is up to.