Director, Business Credit
ATB Financial, Canada
Job Description
There’s something special about working at ATB, and it’s been recognized on every top employer list that matters. Maybe it’s our exceptional culture where your total wellness is supported through market-leading benefits and you’re free to bring your whole self to work. Maybe it’s our commitment to a growth mindset and our unrelenting thirst for making it possible for fellow Albertanseven the ones who aren’t our clients.
Whatever it is, you won’t 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: Credit, Risk Management
Job Number: REQ7267
Location: Edmonton or Calgary, AB
Apply by: March 14, 2024
Paygrade: M/N-OTH
System Title: Credit Management 8/9
# Positions available: 1
Leader Name: Lon Sokalski, Head of Credit Adjudication; Chris Edel, MD Business Energy Credit
Work Arrangement: Onsite - You’ll work primarily from an ATB branch, corporate office or client location, with some remote flexibility.
As ATB’s next Director, Business Credit you will be responsible for providing positive adjudication, profitable growth and management of ATB’s Business Banking/Capital Markets loan portfolios. Generally, this will encompass Diversified and/or specialized industry transactions over $1 million. Support is also provided to other general or industry-specialized adjudicators.
As with all positions within Credit, their primary focus will involve reviewing and making sound credit decisions on all credit applications received within their area of responsibility, supporting the growth of a quality book of business and living the Credit brand and ATB’s Credit Risk Philosophy and Appetite.
Director, Business Credit Accountabilities:
- Maintain a mastery level of knowledge in their area of responsibility and credit risk
- Ensure the policies, procedures, products or services they are responsible for remain current, competitive, relevant, and simple.
- Make sound credit decisions, applying a managed risk philosophy, ensuring we balance the needs of ATB and the client, providing simple approvals, and ensuring ATB’s risk appetite is respected.
- Work within the delegated specific lending limits.
- Assume ownership of the adjudicated files and projects they have responsibility for.
- Maintain a positive partner experience 100% of the time and both our Service Level Agreement and Productivity standards.
- Provide client coaching and/or mentoring on transactions or policy related matters.
- Continuously adapting to the changing environment that they work within.
- Working collaboratively with other Credit team members and those within the Areas of Expertise.
- Develop or re-designing processes and products to be simple and effective.
Requirements
As the ideal candidate you possess:
- Minimum 5 years mid market/corporate/capital markets lending experience in the financial services industry.
- Experience in the diversified, energy, project finance sectors would be an asset.
- Experience as a Relationship Manager or in a Credit adjudication capacity is desirable.
- Post-secondary education in Business, CFA, MBA or an equivalent discipline would be an asset.
- While not required initially, you will be required to develop a mastery level of knowledge of the industries and the policy/products/processes that will be assigned.
- The intuitive ability to balance a number of diverse transactions and arrive at a sound decision and structure quickly.
- The ability to identify and measure (both in terms of probability and quantity) risk and establish appropriate methods to monitor and manage.
- The successful candidate will be required to participate in Credit’s Accreditation and Mastery programs.
- Possesses the leadership attributes supported by ATB (i.e., the intrinsic motivation and drive to excel; the ability to build sustaining relationships).
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 let us know if you require any accommodations.