Director, Credit Oversight

2 months ago

Calgary, Canada ATB Financial Full time

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: 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 roleAs ATB's next Director, Credit Oversight you will be part of a team that conducts systematic reviews of credit portfolios, analyzing credit quality to determine the accuracy of risk identification in the portfolio as well as the adequacy of documentation, administration, policies, and procedures. Reporting to the Associate Vice President, Credit Strategy and Governance, the Director, Credit Oversight supports the independent assessment of the effectiveness of ATB's credit risk management processes. As a second line of defense accountability, the review of loans is credit quality based, and provides an independent view of the overall quality of the borrower and associated risks. Credit Oversight ensures the control practices within areas of designated authorities, underwriting, collateral and overall credit quality are being carried out at an acceptable level in accordance with ATB's credit policies, business rules and sound credit granting principles to ensure ATB credit assets are well managed and protected. This group is responsible for providing objective assurance via reporting to identify all significant credit risk trends and ensure they are being well managed and controls are effective and efficient.
- Accountabilities**Responsibilities**:

- Prepare a written Credit Oversight Plan, which is reviewed and approved annually.
- Oversee and lead the Credit Oversight team in preparing detailed, independent analysis on individual credits in adherence with established credit review procedures and regulatory guidance presented through clear and well-documented summaries.
- Evaluate the adequacy of analysis completed by the Area of Expertise and Credit Adjudication including, but not limited to, accuracy of credit ratings, appropriateness of credit structure, identification of potential credit weaknesses, and adherence to applicable policies and procedures, laws and regulations.
- Evaluate the adequacy of automated underwriting and credit scoring systems, including prudent use of overrides, as well as the effectiveness of credit administration, collections, and portfolio management activities in managing credit risk.
- Oversee and lead the development and refinement of written Credit Oversight procedures.
- Evaluate and amend portfolio segment reports to provide accurate and timely credit quality information.
- Develop a monitoring process and report for all Credit Oversight identified deficiencies, weaknesses, and action plans.
- Provide senior management with quarterly updates on Credit Oversight findings.
- Manage and lead ongoing monitoring and periodic reviews of key industry sectors providing reporting on trends and credit-related activities while also identifying any emerging risks.
- Review and recommend necessary changes to ATB's Credit Policies, Business Rules and Processes to provide advice on the adequacy and effectiveness of controls.
- Provide formal leadership to direct and indirect report(s) to enable performance, team member experience, and appropriate attention to team member development and career growth.
- Act as a trusted partner and advisor to influence senior leadership.
- Partner closely with Area of Expertise and Strategic Support Unit leadership, as well as the broader ATB leadership to ensure any identified gaps in policies or processes are turned into actionable decisions
- Skills, experience & requirements**Requirements**:

- Bachelor's and/or Master's degree.
- 10+ years of credit-focused banking experience; preference will be given to individuals with significant prior credit oversight, lending, credit risk management, regulatory supervision, or similar work experience with specific sector experience. Sectors include, but are not limited to, consumer, corporates, commercial real estate, energy and technology.
- Strong knowledge of credit analysis, ratings analysis, corporate finance and/or research.
- Knowledge of banking regulations related to lending and risk management preferred.
- Functional background or relevant experience in finance and accounting.
- Understanding of cre

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