Credit Realization Manager

Avenue.io Inc.; Calgary; Hybrid; CAD 110,000 - 160,000; Full time

Job summary

ATB Financial is seeking a Credit Realization Manager to lead a portfolio of impaired business and agricultural loans. This self-directed role requires a forensic mindset to uncover recovery pathways while safeguarding ATB’s interests.

You will analyze borrower status, engage with clients, and coordinate with restructuring professionals to maximize recoveries. The hybrid job offers flexibility with three on-site days per week in Calgary.

Qualifications

• Forensic approach to financial analysis with advanced credit structuring.
• Familiarity with security documents and contract law related to security agreements.
• Experience with distressed assets, collections, bankruptcies, forbearance and related processes.
• Excellent negotiation and conversational skills for high-stakes discussions.
• Strong organizational skills and ability to manage multiple tasks in a dynamic environment.
• Proven ability to apply critical thinking to mitigate risk while serving client needs.
• Self-directed, motivated, and capable of cross-functional collaboration.
• Commitment to continuous learning and stakeholder alignment.

Responsibilities

• Analyze borrower status quo, financials, appraisals, forecasts and business plans to uncover root causes.
• Conduct asset security reviews and identify recovery pathways.
• Develop and execute strategic exit plans to manage risk and losses.
• Engage with borrowers to collect outstanding amounts owed.
• Review security documents for validity, enforceability and gaps.
• Structure and negotiate loan amendments or forbearance terms.
• Underwrite credit submissions in line with policies and procedures.
• Manage day-to-day portfolio operations balancing credit quality and service.
• Participate in collateral valuation and loan loss provisioning.
• Collaborate with restructuring professionals, insolvency counsels and valuators; direct repossession or asset seizure as needed.
• Build and maintain strong relationships with stakeholders across industries.

Skills

Forensic mindset

Advanced credit structuring

Distressed asset expertise

Negotiation with high-stakes

Organization & agility

Critical problem solving

Self-direction

Stakeholder alignment

Clear communication

Risk mitigation

Job description

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 role

As ATB’s nextCredit 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.

Accountabilities

• 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.

Skills, experience & requirements

• 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 motivated, while remaining committed to the success of the broader team.

• Conflict Resolution: Clear, concise verbal and written communication skills to guide clients through the credit realization process and de-escalate/mitigate potential conflicts.

• Growth Mindset: A strong willingness to pursue continuous learning to develop your skills, talent, and innovative ideas.

• Stakeholder Alignment: Proven track record of building trust and rapport with a multitude of stakeholders, both within and outside of ATB.

Don’t meet all the requirements on the list?
A resume only goes so far in expressing who you are and the unique perspectives you bring. If you believe your skills and experience align with the role—but you might not check all the boxes,we want to hear from you. We encourage candidates from all work backgrounds, equity-seeking communities and experience levels to apply. If you’re seeking a career where your drive, perspective and growth are celebrated, we want to hear from you.

We’re dedicated to building a workforce reflective of those within our communities, and a culture where our team members are equipped with what they need to succeed—their way. Part of creating an inclusive workplace is recognizing our role in advancing Truth and Reconciliation. We are committed to meeting and exceeding the standards set out in the Partnership Accreditation in Indigenous Relations program created by the Canadian Council for Aboriginal Business.

What happens next?
If you are shortlisted, you’ll hear from us after the posting closes. Check out our How We Hire page to learn more about our hiring process. If you need any accommodations throughout this process, please let us know at [e-mail].

Stay in touch
We’re excited that you’re interested in a career with ATB. Follow us on LinkedIn, Facebook and Instagram to learn more about what our team is up to.