Underwriting Manager, Real Estate and Healthcare
7 months ago
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 roleATB’s next Real Estate Underwriter, your role includes providing real estate credit expertise in support of ATB’s Real Estate Strategy. You would work with a team of Real Estate focused Underwriters to support our Real Estate Relationship Managers on some of ATBs higher value Real Estate clientele (including commercial and multi residential investment, construction, land development, residential builders, hotels/hospitality and CMHC). You will report to the Real Estate & Healthcare Central Underwriting Director.
As a Real Estate Underwriter, you will be considered a knowledgeable real estate lender. You possess a good understanding of real estate credit solutions & structuring complex credits. While this is not a customer facing role, you may be occasionally required to meet virtually with clients or other external partners
- AccountabilitiesYour day to day work would involve credit risk analysis and preparing formal credit presentations along with meeting with your RM partners to determine optimum credit solutions. There will also be opportunity to showcase your Leadership and presentation skills through various project work.
**Responsibilities**:
- Makes sound credit decisions for clients with risk exposures around 2 million in lending commitments
- Partner in first line of defense for risk management and make independent recommendations in conjunction with Sales team
- Analyzes financial statements, assesses risk and determines which ATB products and services best meet the needs of the client
- Ensures overall loan quality and supporting documentation is within the acceptable ATB measures and identifies other opportunities while maintaining adherence to established service level agreements
- Skills, experience & requirements- Business or accounting degree or diploma or related business experience
- 2 to 3 years experience underwriting business loans with a strong preference for individuals who maintain a good understanding of the Alberta Real Estate industry
- Strong analytical and financial analysis skills.
- Excellent communication and presentation skills.
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