Underwriter, Agricultural

Please note: This position has a hybrid work arrangement . On average, this means 1-2 day(s) on-site per week . Please note that this is subject to change due to business priorities.

As ATB Business’ next Agricultural Underwriter, you are someone who loves solving problems and leveraging your financial skills to find ways to create a meaningful impact for our clients. Your primary responsibility is to collaborate with Relationship Managers to structure and recommend optimum credit solutions for ATB's Agricultural clientele. You are considered a knowledgeable lender with a good understanding of ATB's credit risk appetite and have some experience structuring more complex credits. While this is not a customer-facing role, you may be required to meet virtually with clients or other external partners. You will report to the Agricultural Director, Central Underwriting. Your day-to-day work would involve credit risk analysis and preparing formal credit presentations along with meeting with your RM &/or Credit partners to determine optimum credit solutions. There will also be opportunity to showcase your leadership and presentation skills through various project work.

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.