Senior Manager Commercial Risk Advisory & Management

Senior Manager Commercial Risk Advisory & 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 ).

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 are 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  are 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.

This position has a hybrid work arrangement. On average, this means one day on-site per week. Please note that this is subject to change due to business priorities.

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.

• Special loans experience to gain deep insight into financial analysis and credit structuring.
• An intimate understanding of collateral, enforcement actions, and court processes.
• Independence and guided learning by directly managing a portfolio of distressed borrowers, offering a mix of autonomy and support from your leaders.

• 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.

• A post‑secondary degree in business with a minimum of 3 years commercial lending experience, including portfolio management, deal structuring, and client negotiations, with small and medium sized business loans in the diversified 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…