Director of Real Estate Business Credit

At ATB, we exist to make it possible for our clients, team members and communities. Our purpose is more than aspirational. Its a real commitment we live every day through our values (what we call the ATB ID).

Life at ATB is about more than work. In fact, were consistently recognized as one of Canadas top employers 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, youre empowered to make an impact in the lives of our clients and communities.

Thrive together: We want you—the unique, authentic you—to feel safe and celebrated at work. Were 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.

As ATBs next Director, Business Credit, you will be responsible for providing positive adjudication, profitable growth and management of ATBs Business Banking Real Estate loan portfolio. Generally, this will encompass all asset classes of Investment Real Estate, with transactions up to $10 million. Support is also provided to Small Business adjudication teams.

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 ATBs 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 ATBs 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.

As the ideal candidate you possess:

• Minimum 5 years small - mid market lending experience in the financial services industry.
• Experience in Real Estate sector is required.
• Working knowledge of CMHC lending is preferred.
• 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 knowledge of the various segments and asset classes of the Real Estate industry and the corresponding policies/products/processes of those segments.
• 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 Credits Foundational 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).

Dont 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—but you might not check all the boxes—we want to hear from you. We encourage candidates from all work backgrounds, equity-seeking communities and experience levels to apply. If youre seeking a career where your drive, perspective and growth are celebrated, we want to hear from you.

Were 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—their 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 Partnership Accreditation in Indigenous Relations program created by the Canadian Council for Aboriginal Business.

What happens next? If you are shortlisted, youll hear from us after the posting closes. Check out our How We Hire page to learn more about our hiring process. If you need any accommodations throughout this process, please let us know at talentteam@atb.com

Stay in touch Were excited that youre interested in a career with ATB. Follow us on LinkedIn, Facebook and Instagram to learn more about what our team is up to.

Information :

• Company : ATB Financial
• Position : Director of Real Estate Business Credit
• Location : Calgary, AB
• Country : CA