Associate Director, Real Estate - Calgary

Associate Director, Real Estate - Calgary
ATB Financial, Canada

Experience
1 Year
Salary
0 - 0
Job Type
Job Shift
Job Category
Traveling
No
Career Level
Telecommute
No
Qualification
As mentioned in job details
Total Vacancies
1 Job
Posted on
Mar 5, 2021
Last Date
Apr 5, 2021
Location(s)

Job Description

Listening to Albertans. Going deeper to understand who they are and where they’re going. Translating the complex world of banking and investing into brilliantly simple solutions. Through all this, we believe we can create happiness. This is the ATB way.

Job Number: REQ1523
Location: Calgary
Apply by: March 14th, 2021
Paygrade: M-OTH
# Positions available:1

This role is made for someone who loves solving problems and connecting with people, who is customer obsessed and leverages their financial skills to find ways to create a meaningful impact on our clients. The role is responsible for risk oversight and portfolio health while maintaining strong client relationships. The Associate Director will act as a key part of the Sales Team to identify revenue opportunities, take leadership, and collaborate across multiple teams to meet client needs and ensure flawless execution. He or she will work closely with the Sales Director to anticipate and respond to clients needs and are key in cultivating those relationships.

Requirements

Portfolio Management:

  • Maintain exceptional portfolio health via the following activities:
    • Structure and preparation of credit assessments / applications;
    • Analyze financial statements and information to assess risk and determine which ATB financial services meet the client’s needs;
    • Understand credit ratings and return assessments together with recommendations regarding impact to profitability and availability of capital;
    • Financial modelling 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. Use problem solving, initiative and effective coordination of other teammates / partners and the actions required to execute on financial solutions.
  • Ensure underwriting recommendations are in accordance with sound principles and ATB lending policy and procedures.
  • Ability to underwrite certificates of Insurance under CMHC standards and practices
  • Demonstrating ownership and oversight with sound credit practices and judgement to mitigate and control risks related to the portfolio.
  • Ensure that ATBs risk appetite, conditions of credit and documentation are maintained.
  • Provide oversight of the portfolio to ensure an effective balance between profitability and risk management.
  • Ensure the regulatory requirements compliance of each customer
  • Enhance the ATB brand through developing strong relationships with our clients, prospects, and team members.
  • Collaborate as part of the sales team and with internal partners to help solve the client’s current and future needs.
  • Identify, respond, and refer opportunities generated from client analysis, inquiries, and networking.

Subject Matter Expertise:

  • Become an advisor to clients, centres of influence, and internal partners with specific knowledge gained around products, industry, and economic conditions.
  • Represent ATB by attending community and industry networking events, focusing on developing industry connections and market intelligence.
  • Develop a deep knowledge of ATB products, procedures, guidelines, tools, and services available to our customers.
  • Participate in Sales Team meetings, sharing successes, best practices, and other information with the team.

Team Collaboration:

  • 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.
  • Coordinate with internal partners to ensure that the conditions of credit approval are maintained
  • The overall compliance of the Credit Agreement is the responsibility of the Associate Director and the Sales Director.
  • Oversee the disbursement or implementation of loans to customers within authorized lending limits after obtaining credit approval and the required documentation, collateral and security to support the loan.

Characteristics and Attributes:

5+ years of experience including progressively complex roles with a specific focus on 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 clien

Job Specification

Job Rewards and Benefits

ATB Financial

Information Technology and Services - Calgary, Canada
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