Credit Realization Manager

About the role

As ATB’s next Credit Realization Manager (CRM), you will play a pivotal role in managing a portfolio of impaired business and agricultural files. This is an exciting opportunity for a self‑directed professional who thrives on variety, critical thinking, and impactful decision‑making. Every day brings a new puzzle, and you will bring a forensic mindset and sharp investigative curiosity to untangle unique situations, look beneath the surface, and uncover recovery pathways.

In this dynamic role, you are much more than a risk manager—you are a trusted strategist. By blending empathy with professional scrutiny, you will guide clients through challenging times while confidently safeguarding ATB’s interests. You will have the autonomy to make high‑value decisions, balancing client care with robust risk mitigation to turn challenging defaults into successful resolutions.

This position has a hybrid work arrangement. On average, this means 3 days on‑site per week. Please note that this is subject to change due to business priorities.

• Analyze & Scrutinize: Evaluate and analyze the borrower’s status quo, financial statements, appraisals, forecasts, and business plans; look beyond the surface data to uncover the root causes of financial distress, understand the business cycle, and assess true future viability.

• Asset Recovery & Forensic Review: Conduct diligent detective work to investigate, trace, and scrutinize ATB’s security to ensure accuracy and identify potential recovery pathways.

• Strategy Execution: Develop and execute strategic exit plans to effectively manage risk and minimize losses on impaired loans.

• Borrower Engagement: Communicate directly with borrowers to actively collect outstanding amounts owed.

• Security Review: Review all security documents and agreements to ensure they are legally valid, enforceable, and shore up any gaps when necessary.

• Restructuring & Negotiation: Structure and negotiate loan amendments or forbearance terms with borrowers to maximize recovery.

• Credit Adherence: Underwrite credit submissions, ensuring all recommendations align with sound credit principles and ATB’s lending policies and procedures.

• Portfolio Oversight: Provide day‑to‑day management of the portfolio, balancing credit quality maintenance and portfolio health monitoring with high customer service expectations.

• Valuation & Provisioning: Participate in collateral value estimations and calculate associated loan loss provisions.

• Third‑Party
  
  Collaboration:
  
  Work and communicate seamlessly with restructuring professionals, insolvency counsels, valuators, and financial advisors; direct repossession, foreclosure, or asset seizure activities as required.

• Relationship Management: Establish and maintain strong, trust‑based relationships across various industries and internally throughout ATB.

• Investigative & Analytical Mindset: Possess a forensic approach to financial analysis, with advanced credit structuring, underwriting skills, and a sharp attention to detail that allows you to read between the lines of financial statements.

• Legal & Security Acumen: Familiarity with business credit and security documents, backed by a solid understanding of contract law as it pertains to security agreements.

• Distressed Asset Expertise: Experience working with challenged accounts and a practical knowledge of collection procedures (Bankruptcy and Insolvency Act, Civil Enforcement Act, Forbearance Agreements, Foreclosures, Receiverships, etc.) is considered an asset.

• Advanced Communication: Exceptional negotiating and conversational skills, with the emotional intelligence and spine required to handle high‑stakes, difficult conversations.

• Organization & Agility: Strong time management and organizational skills, with the agility to juggle and execute multiple tasks in a dynamic environment with shifting priorities.

• Critical Problem Solving: Proven ability to apply critical thinking and detective‑like problem‑solving to evaluate complex files, successfully mitigating ATB’s risk while remaining appropriately client‑obsessed.

• Team & Self‑Direction: Nimble, self‑directed, and intrinsically…