Associate, Multi-Unit Financing

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 ).

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 '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.

Ready to help shape Alberta’s multi-family landscape? As an Associate, Multi-Unit Financing
, you will be an integral member of the ATB Commercial Real Estate team, directly supporting Directors and Relationship Managers with our CMHC book of business.

You will take ownership of underwriting credit requests for ATB while acting as the primary point of contact for CMHC underwriters—guiding Mortgage Loan Insurance applications from submission through to final funding. If you have sharp analytical instincts, proven commercial credit skills, and a strong command of CMHC programs like MLI Select, this is an opportunity to make a tangible impact on large-scale housing developments across the province.

Credit Underwriting & Risk Analysis

• Analyze complex commercial credit applications, identifying key credit risks, structuring appropriate terms, and establishing effective mitigants.
• Perform detailed financial statement and cash flow analysis to calculate financial covenants, borrowing capacities, and serviceability thresholds.
• Interpret and apply ATB credit policies, underwriting guidelines, and regulatory frameworks alongside CMHC Approved Lender standards.

CMHC Deal Execution & Portfolio Management

• Partner with Directors and Relationship Managers to manage end-to-end CMHC loan origination, from initial submission and Certificate of Insurance (COI) issuance through to final credit approval and funding.
• Execute annual reviews, loan amendments, and new money requests for existing portfolio accounts in compliance with CMHC criteria.
• Review construction and term draw requests, ensuring complete documentation, covenant compliance, and adherence to CMHC guidelines and ATB lending policies.

Portfolio Monitoring & Administration

• Proactively identify early warning indicators and mitigate credit deterioration through continuous monitoring of borrower financial statements, interim updates, and market trends.
• Identify operational efficiencies to support deal flow velocity and enhance business unit profitability.

Relationship Management & Stakeholder Engagement

• Establish and nurture productive working relationships with designated CMHC underwriters and internal deal teams to facilitate prompt, smooth deal approvals.

What You Bring:

• Education & Background: Bachelor’s degree in Business Administration, Commerce, Finance, Accounting, or a related discipline.
• Lending
  
  Experience:
  
  3 to 6 years of progressive experience in commercial real estate lending, credit adjudication, or financial analysis.
• CMHC Expertise: Hands‑on experience navigating CMHC multi‑unit residential products, underwriting guidelines, and submission processes (direct familiarity with the MLI Select framework is highly desirable).
• Financial & Analytical Rigor: Advanced financial statement analysis skills, cash flow modeling, and the…