Senior Manager, Commercial Risk Advisory and Management

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

About

Life at ATB is about more than work. In fact, we’re consistently recognized as one of Canada's 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, you're 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. We're 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.

About The Role

As ATB's next Senior Manager in Commercial Risk Advisory and Management (also known as "Special Loans"), you will manage a portfolio of distressed borrowers with the potential to work on impaired accounts. The Senior Manager works collaboratively with Underwriting, Credit, and other internal and external partners to manage the client relationship. The role focuses on working with clients towards turnaround where possible, or to realize on assets and maximize recoveries when necessary, all while minimizing risk to ATB.

Accountabilities

Additional Responsibilities Include

• Analyze borrower’s status quo, forecast, and business plan to assess underlying cause of financial difficulty, the business cycle, and future viability;
• Develop and execute credit restructuring plan or exit strategy in order to manage risk and minimize losses on non-performing business loans;
• Underwrite submissions to Credit and ensure that recommendations are in accordance with sound credit granting principles and ATB’s lending policies and procedures;
• Structure and negotiate loan amendments or forbearance terms with the borrower;
• Review all security documents and agreements to ensure they are valid and enforceable;
• Provide day-to-day oversight and management of portfolio to ensure customer service expectations and credit quality is maintained and conduct portfolio health monitoring/maintenance;
• Work and communicate seamlessly with restructuring professionals, insolvency counsels, valuators, and financial advisors;
• Depending on skills and expertise, may be involved in collateral value estimations and associated loan loss provisions for impaired borrowers; and
• Establish and maintain strong relationships at every level across industries and internally across the organization.
  
  

Skills, Experience & Requirements

• A post-secondary degree in business with a minimum of 3 years lending experience with small and medium sized business loans in the diverified space. A related graduate level degree such as MBA, CPA, CFA or CIRP would be an asset;
• Detail oriented with strong attention to accuracy along with advanced credit structuring, underwriting, and financial analysis skills;
• Familiarity with business credit and security documents with a basic understanding of contract law as it pertains to security agreements;
• Experience in working with challenged accounts along with practical knowledge of collection procedures (e.g., Bankruptcy and Insolvency Act, Civil Enforcement Act, Forbearance Agreement, Foreclosures, Receiverships, etc.) would be considered an asset;
• Strong negotiating and conversational skills to handle difficult conversations;
• Capable of making sound decisions in the absence of detailed instructions; and
• A Client Obsessed focus with a desire to be a Champion of Belonging.
  
  

Don’t 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 you’re seeking a career where your drive, perspective and growth are celebrated, we want to hear from you.

We’re 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 Progressive Aboriginal Relations program created by the Canadian Council for Aboriginal Business.

What happens next?

If you are shortlisted, you’ll 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 [email protected]

Stay in touch

We’re excited that you’re interested in a career with ATB. Follow us on LinkedIn , Facebook and Instagram to learn more about what our team is up to.