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.
You aren’t just crunching numbers; you are the architect of ATB’s financial clarity. In this pivotal role, you act as the bridge between technical risk modeling and strategic business decision-making. As the Senior Manager of Credit Risk Modeling, you’ll guide the forecasting that underpins our financial health, turning complex datasets into clear, actionable narratives that empower the bank to grow with confidence. This is where high performance meets high care - you will not only master the technical intricacies of credit risk but also cultivate a team culture that thrives on collaboration, psychological safety, and excellence. We are looking for a strategic leader who sees the "why" behind the data, ensuring our foundation remains rock-solid while we unlock new opportunities for our clients.
- Lead the Loan Loss Allowance (LLA) estimation and Loan Loss Provision (LLP) forecasting processes for ATB’s retail and non-retail loan portfolios.
- Serve as the subject matter expert on LLA and LLP forecasting methodologies, providing strategic guidance, actionable recommendations, and risk assessments regarding the impact of enterprise-wide initiatives. This includes evaluating the downstream effects of new product launches, changes to existing products, portfolio optimization strategies, and updates to upstream models or data inputs.
- Collaborate with cross-functional teams to identify, troubleshoot, and solution model execution and implementation challenges. Partner closely with the model development team to test and deploy new models, while proactively managing and communicating limitations in existing models.
- Investigate and analyze the PD, LGD, and CCF forecast updates to understand their specific impacts on each portfolio segment. Ensure these forecasts are robust and free of modeling or input errors, and effectively communicate their financial impacts to stakeholders across Finance and various Areas of Expertise (AoEs).
- Partner with the Finance, Risk, and AoE (Area of Expertise) teams to investigate changes in the LLA, escalating potential system or calculation input issues within SAP to the appropriate owners to ensure that allowance and provision reporting remains accurate and consistent across the organization.
- Prepare and present the LLA recommendation and LLP forecast recommendation, providing supporting evidence for their quarter-over-quarter changes, and propose an appropriate allowance level and provision forecast for ATB’s portfolio using internal and external data. Conduct ad-hoc analyses to support the committees with their decision-making and secure final approval from the LLA and LLP committees.
- Prepare Watchlist and impairment forecasts, and receive approval from the LLP Committee.
- Prepare Collective Loan Loss Allowance Report for Senior Management and the Board.
- Support internal and external audit reviews and requests, and complete compliance attestations under tight deadlines.
- Ensure that all processes and reports comply with relevant regulatory requirements, and internal policies and frameworks. Partner with model validation, internal/external audit, and internal Risk Manager to provide analytical insights and recommendations on controls.
- Promote continuous improvement and automation in LLA recommendation and LLP forecast processes.
- Nurture a high-performing and engaging team environment that drives excellence.
- 6+ years of progressive experience in Credit Risk Reporting, Credit Risk Modeling, or Portfolio Analytics. Deep expertise in the Risk domain and Risk analytics, with the ability to translate complex insights into business strategy.
- Knowledge of Credit Risk Modeling; familiar with financial credit products and relevant regulatory guidelines (e.g. IFRS9)
- Strong analytical, problem-solving, and data-driven decision making skills.
- Exceptional data management abilities with proficiency in Python, SQL, Tableau, or similar BI tools
- Strong business acumen and a strategic mindset, with the ability to shape initiatives and develop high-impact analytical proposals that influence priorities and key business decisions.
- A passion for storytelling through data, utilizing exceptional communication and stakeholder management skills to distill complex risk analyses into clear, influential narratives that foster consensus and drive action across all levels of the organization.
- Post-secondary degree in Finance, Economics, Data Science, or Mathematics.
- A CFA or FRM designation is considered an asset.
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 [email protected]
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.
