EFS Loan Integrity Advisor - 6 Month Term Position (1469)
ATB Financial, Canada

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: REQ1469

Location: Calgary, AB

Apply by: March 31/2021

Paygrade: J-PFS

# Positions available: 1

Leader Name: Carrie Rodgerson, Loan Integrity Senior Manager

Is this position Internal Only: Yes

The Loan Integrity Advisor plays a key role in the approval process for all mortgage applications sourced by the Mortgage amp; Broker Services Sales team. In addition they are responsible to review, approve, conditionally approve or decline Self Build mortgage or Solar Panel applications received from the 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 Advisor 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 or Retail Credit with recommendations.
• The Advisor will coach and counsel various members of the sales team regarding deal presentation and source documents provided.
• On a daily basis, provide the highest level of internal and external customer 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, customers and ATB Financial.

Observable behaviours

• With your previous experience as a lender, you have proven knowledge of lending programs, consumer credit policies, controls and procedures in all areas of personal credit.
• You're a stickler for details and accuracy you're so organized that you have an uncanny ability to get your hands on the right information quickly.
• You're an excellent communicator, an even better listener, and have an ability to identify the needs of others.
• You're a master multi-tasker, able to manage your time, multiple files, and priorities with ease. You have no problem getting things done. And on time, too!
• You believe integrity is everything and let your superior ethics guide your decision making.
• With a continuously changing/evolving environment surrounding EFS/ATB, this role is required to stay abreast of what is current, not only within the Financial Industry but within the mortgage industry as well.

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.

• On a daily basis the Advisor has contact with sales and service 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’s risk management expectations are met.

• Is an influencer with strong consulting and communication skills; is able to promote consistency of practice and employ flexibility in their approach.
• Is able to consult and think critically in order to effectively identify needs, navigate complex matters and formulate recommendations consideration amp; action.
• Recognized as an expert in their own area within the organization.
• Proven ability to execute on strategies that establishes a new bar for customer service excellence within the Retail Banking Industry.
• Experience analyzing financial data amp; structuring credit recommendations.
• Experience reading and interpreting personal financial statements and information.

Benefits

Purpose. Growth. Advancement. Fun. Rewards learn about our perks and benefits.

A little about ATB:

We are Alberta’s largest, home grown financial institution and for the last 80+ years, we’ve transformed people’s understanding of what banking canand shouldmake possible. Today, 5,500+ ATB team members embrace a growth mindset in order to help bring ATB’s story to life, delivering happiness to our customers and team members alike. It’s why we’re also a highly sought after, award-winning employe

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