Underwriter, Agricultural - 12 Month Term

ATB•Falher, AB

2d•Hybrid

About The Position

This is a temporary 12-month term opportunity with potential for extension. This position has a hybrid work arrangement, requiring 1-2 days on-site per week on average, subject to change based on business priorities. As ATB Business' next Agricultural Underwriter, you will solve problems and leverage financial skills to create a meaningful impact for clients. Your primary responsibility is to collaborate with Relationship Managers to structure and recommend optimum credit solutions for ATB's Agricultural clientele. You are a knowledgeable lender with a good understanding of ATB's credit risk appetite and experience structuring more complex credits. While not a customer-facing role, virtual client meetings or meetings with external partners may be required. You will report to the Agricultural Director, Central Underwriting. Daily work involves credit risk analysis, preparing formal credit presentations, and meeting with RMs and/or Credit partners to determine optimum credit solutions. There will also be opportunities for project work showcasing leadership and presentation skills.

Requirements

Business or accounting degree or related business experience.
2 to 3 years experience underwriting agricultural business loans or lending experience.
Strong analytical and financial analysis skills.
Excellent communication and presentation skills.

Responsibilities

Structure and prepare credit assessments/applications for new and existing agricultural clients with risk exposures up to 5 million in lending.
Conduct in-depth analysis of financial statements, cash flows, and capital structures to thoroughly assess risk and recommend appropriate credit solutions.
Develop and interpret financial models, including projections and sensitivity analyses, to validate repayment capacity and stress-test assumptions.
Partner with the Relationship Management team as a key member of the first line of defense, providing risk assessment, challenging assumptions where necessary, and collaboratively structuring credit solutions that balance client needs with ATB's risk appetite.
Experience with standard and non-standard margining protocol, Early Warnings Signals and Covenants.
Ensure all credit applications are meticulously documented and that overall loan quality adheres to established internal credit policies and regulatory standards.
Act as a subject matter expert and mentor to junior underwriters and sales team members, sharing advanced credit knowledge and best practices to foster a culture of sound and consistent lending.