Associate Director - Diversified
ATB Financial, Canada
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: REQ1614
Location: Calgary
Apply by: April 22, 2021
Paygrade: M-OTH
# Positions available: 1
Leader Name: Marc Rancourt / Reg Young
As ATB’s next Associate Director, Diversified you are someone who loves solving problems, connecting with people and who is customer obsessed and leverages their financial skills to find ways to create a meaningful impact for our clients. This role is responsible for the overall quality, credit risk, and client relationships of a specific portfolio focused on leverage finance and technology oriented clients. The portfolio manager is the primary contact for clients relating to senior debt and credit and will act as a key part of the Deal Team to respond, take leadership, and collaborate across multiple teams to meet client needs and ensure flawless execution. They work closely with their Director to anticipate and respond to clients needs and are key in cultivating those relationships.
Requirements
Associate Director Accountabilities:
Portfolio Management:
- Manage a portfolio focusing on the senior debt relationship with the client. Working closely with the Director, promote loan growth through outstanding credit awareness and management, identify opportunities to further the profitability of the portfolio and use problem solving, initiative and effective coordination of other teammates and actions to execute on financial solutions.
- Create strong relationships with our clients and team members to create outstanding client execution.
- Participate in term sheets and deal structures through credit analysis and experience to assist the Director in solving the client’s current and future needs.
- Prepare credit assessments through completion of applications for credit which include:
- 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 any impacts to costs and availability of capital;
- Financial modelling and sensitivity analysis of projections;
- Capital structure analysis with recommendations on alternate capital structures;
- Industry and bench-marking assessments, including key drivers and trends;
- Valuation analysis, security analysis with relevant recommendations.
- Identify and either respond to or refer opportunities generated from client analysis and inquiries to Directors in the Financial Services Group or other contact within or outside of ATB (Retail, Wealth, Financial Markets, Capital Markets, etc)
- Ensure credit decisions/recommendations are in accordance with sound credit granting principles and are in accordance with ATB lending policy and procedures. Enhancing and maintaining a strong relationship with ATB Risk and Credit groups.
- Developing a strong knowledge of ATB products and services available to our customers.
- Develop an intimate knowledge of internal partner groups and processes required to align the institution to serve the needs of the client.
- Participate in Sales Team meetings, sharing successes, best practices, and other information with the team.
Risk Management:
- Demonstrating ownership and oversight with sound credit practices 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 is maintained.
- Responsible for all documentation required on the portfolio related to regulation, compliance and governance including FINTRAC completed by supporting teams.
- Act as primary point of contact for internal and external audit activities.
- Review and take leadership to ensure appropriate security documentation and all other due diligence is completed by the appropriate support teams and review for accuracy for each file.
Subject Matter Expertise:
- Utilizing industry and analytical expertise, provide recommendations and insight to client solutions and support preparation for client interactions.
- Share the opportunity to become a subject matter expert on various industries that are niche to the Director's portfolio.
- Become a subject matter expert (SME) in the industry that you support through industry associations and materials to provide regular insights to market impacts related to the portfolio.
- Represent ATB by attending and supporting networking and community events that a