Associate Director - Diversified Corporate Banking

ATB•Calgary, AB

About The Position

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). 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, Thrive together, and Ready for tomorrow. About the Role As ATB Cormark Capital Market’s next Associate Director in the Diversified Corporate Banking team, 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 supporting the overall quality, and credit risk of ATB Cormark Capital Market's Diversified Corporate Banking lending portfolio. The Associate Director 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. Reporting to the Managing Director, Structuring and Execution, ATB Cormark Capital Markets, they work closely with the Director, Structuring and Execution and other partners in the Capital Markets / Corporate Banking team.

Requirements

3-5+ years of Financial Institution experience including progressively complex roles with a specific focus on corporate finance.
Minimum 3 years Corporate Banking credit underwriting.
Undergraduate degree in business commerce, economics, or a related field.
Demonstrated leadership in a financial capacity with strong working knowledge of corporate finance credit products and services.
Strong communication skills with demonstrated ability to build relationships with external clients and internal teammates.
Exceptional analytical capability and financial acumen with proven ability to develop financial analysis in Excel of mid to large organizations and complex business issues.
Demonstrated collaborative skills in working with senior management and specialists with proven ability to influence and coordinate a team, build strong internal relationships, and collaborate to achieve results.
Excellent priority management with capability to manage multiple transactions, initiatives and daily activity to best meet the needs of the client.
Advanced problem-solving skills and ability to take initiative to find and execute innovative solutions.
Ability to present complex issues effectively at all levels in the organization and effectively influence others.
Proven ability to build impactful relationships across all levels of the organization.
Demonstrated pursuit of excellence inside or outside of work experience, with ability to adapt to diverse situations.

Nice To Haves

Chartered Financial Analyst, CPA accreditation or Graduate level education is an asset.

Responsibilities

Assisting with the management of a portfolio focusing on the senior debt relationship with the client. Working closely with the Director, Structuring & Execution, to 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.
Strong organizational skills and the ability to manage multiple account priorities at the same time.
Participate in term sheet development and deal structures through credit analysis and experience to assist the Director, Structuring & Execution 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 modeling 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.
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.
Develop 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.
Contribute to overall financial targets through the deployment of the multi-coverage model in ATB Capital Markets.
Ensure new opportunities identified while performing Client reviews are addressed and/or are appropriately escalated to the Director, Structuring and Execution.
Minimize the risk related to loan loss provisions by managing the portfolio at an acceptable level.
Preparation and completion of Credit Applications and analysis of prospects.
Assist the Director, Structuring and Execution with Deal Structuring / Term Sheets, completion of Client transactions (onboarding / fulfillment), monitoring and control requirements of the Client.
Provide support and coverage to the Director, Structuring and Execution (under the direction of the Managing Director).
Assisting with Client presentations / research when required.
Coaching and mentorship of fellow teammates (Operational partners).
Develop and maintain external relationships related to Client transactions (Solicitors / Agents / Etc.).
Portfolio Health: effectively managing within the Capital Markets portfolio the following but not limited to: Assistance with Capital Markets Corporate Banking renewals/expiries; Ultimate responsibility for accuracy and completion of Margining and Covenants; Timely reporting and action of any Breaches/EWS/Triggers of covenants; Monitoring Overdrafts/Wire Transfers (“PCOM”); Overseeing reporting / following on late items; Ensuring Security / Collateral and Loan Documentation are complete and in good standing; Execution of Fundings (initial and subsequent funding) / signing off on Conditions Precedent to Funding; Completion of Corporate Health Assessment (high risk account review) in collaboration with Director, Structuring and Execution; Responsible for all documentation required on the portfolio related to regulation, compliance and governance including FINTRAC completed by supporting teams.
Demonstrate ownership and oversight with sound credit practices to mitigate and control risks related to the portfolio.
Ensure that ATB 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.
Assistance with internal and external audit reporting requirements when required.
Develop and maintain internal relationships: Banking Operations, Capital Markets partners, Credit / Risk.
Participation in networking opportunities, such as: industry, association, and client events when possible.
Assist in project work as appropriate.
Utilize industry and analytical expertise, provide recommendations and insight to client solutions and support preparation for client interactions.