Job Description

:At ATB, we exist to make it possible for our clients, team members and communities. Our purpose is more than aspirational. It\'s a real commitment we live every day through our values (what we call the ).Life at ATB is about more than work. In fact, we\xe2\x80\x99re consistently recognized as one of thanks to our high-care, high-performance culture, upheld by the three commitments we make to our team members:Impact in action: No matter where you are in the organization, you\'re empowered to make an impact in the lives of our clients and communities.Thrive together: We want you\xe2\x80\x94the unique, authentic you\xe2\x80\x94to feel safe and celebrated at work. We\'re on a continuous journey to build the most flexible and inclusive programs.Ready for tomorrow: We want to enable your success through interesting and challenging work, performance enablement, and learning and development.About the roleAs ATB Business\xe2\x80\x99 next Diversified Senior Underwriting Manager, your role soundly supports ATB\xe2\x80\x99s Diversified Strategy. Your primary responsibilities include assisting Senior Relationship Managers and Business Development Managers with the client onboarding experience and co-managing a small portfolio. Your value proposition also includes identifying revenue opportunities and anticipating a client\'s future needs. You will report to the Diversified Director, Central Underwriting.You are considered an expert lender with an in-depth understanding of your institution\xe2\x80\x99s credit risk appetite and possess definitive experience in structuring complex credits for clients in the Diversified and Real Estate industries. Your internal Credit and Sales partners trust you in your abilities and guidance.In addition to performing your core responsibilities, your experience will be leveraged by others on the Central Underwriting Team and various ATB Project teams. While this is not a customer facing role, you are expected to join or lead client meetings periodically and consult with non-ATB professionals throughout Alberta.AccountabilitiesYou are accountable to maintain exceptional portfolio health via the following activities:

• Partner in first line of defense for risk management.
• Make sound credit recommendations for high value clients maintaining risk exposures in excess of $10 million.
• Comfortable working independently and regarded by peers as an expert lender.
• Work at the ground level on new credit requests. You are an equal participant with Sales to help grow the portfolio.
• Collaborate with the Relationship Manager to assess risk and profitability and underwrite quality applications; by performing a thorough financial analysis and recommending appropriate credit structures.
• Considered an expert in analyzing cash flow and testing assumptions in projections.
• Ensure overall loan quality and supporting documentation is within the acceptable ATB measures and identify any cross-selling opportunities while maintaining adherence to established service level agreements.
• Experience with standard and non-standard margining protocol, Early Warnings Signal\xe2\x80\x99s and Covenants, including the ability to communicate defined meaning behind each to our partners so that they are easily measurable and understood.
• An in-depth understanding of security because this role is jointly responsible for the accuracy of ATB security documents.
• Ability to travel within Alberta to meet with high value clients/site visits.
• Maintain formal networks with partner roles in credit and portfolio management teams.
• An informal leader and sometimes mentor, who shares ideas and knowledge with the Underwriting and Sales teams.
• Represent ATB by attending industry networking events, focusing on developing industry connections and market intelligence.

Skills, experience & requirements

• Undergraduate degree in business or a related field. Candidates may be considered based on a combination of education and related experience.
• More than 5 years of Underwriting experience.
• Effective communication skills and has demonstrated the ability to support/build relationships with clients and Relationship Managers.
• 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 to 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.

Don\xe2\x80\x99t meet all the requirements on the list?
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\xe2\x80\x94but you might not check all the boxes\xe2\x80\x94we want to hear from you. We encourage candidates from all work backgrounds, equity-seeking communities and experience levels to apply. If you\xe2\x80\x99re seeking a career where your drive, perspective and growth are celebrated, we want to hear from you.We\xe2\x80\x99re 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\xe2\x80\x94their 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 program created by the Canadian Council for Aboriginal Business.What happens next?
If you are shortlisted, you\xe2\x80\x99ll hear from us after the posting closes. Check out our page to learn more about our hiring process. If you need any accommodations throughout this process, please let us know atStay in touch
We\xe2\x80\x99re excited that you\xe2\x80\x99re interested in a career with ATB. Follow us on , and to learn more about what our team is up to.

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