Senior Credit Analyst

6 days ago

St Louis, United States Enterprise Bank and Trust Full time

Enterprise Bank & Trust was founded in the spirit of entrepreneurship and community. From the small mom-and-pop coffee shop to the large construction company that employs local people, our goal is to help businesses succeed and our communities thrive. 

With offices in Arizona, California, Florida, Kansas, Missouri, New Mexico, Nevada and Texas, we’re strong, growing and committed to supporting the communities we serve. We extend this commitment to the community to our associates, offering annual paid volunteer time off and charitable-matching opportunities. Voted a Best Bank to Work For by American Banker for multiple years, we offer our associates an array of benefits and the opportunity to chart their own career path with us. Join us in the pursuit of our mission to guide people to a lifetime of financial success, and enjoy a career filled with professional growth opportunities, interesting colleagues and the satisfaction of supporting our communities. 

Together, there’s no stopping you

Job Title:Senior Credit AnalystJob Description:

Summary

Senior Credit Analysts serve as a representative of the Bank while providing analytical and administrative support to the commercial, commercial real estate, and consumer lending departments of the bank. In addition, they lead the credit analyst team and work directly with the Chief Credit Officer. Other major responsibilities include mentoring/training other credit analysts, conducting credit investigations, conducting financial analysis, managing loans, and managing early warning systems.

Essential Duties and Responsibilities:

  • Analyze financial statements and demonstrate comprehensive knowledge of theories, laws, and policies governing commercial credit, commercial banking, and banking policies.

  • Create comprehensive and concise analyses of the risks and mitigations associated with complex commercial loan requests by reviewing and analyzing the borrower's financial statements, including income statements, cash flow statements, balance sheets, tax returns, personal financial statements, and collateral appraisal reports.

  • Assess the financial condition of collateral guarantors and prepare sensitivity analyses.

  • Conduct market and industry analyses (customers, competitors, suppliers, and new entrants).

  • Contribute to the development of policy and procedures that safeguard the Bank's commercial credit operations.

  • Propose alternative loan structures

  • Oversee the completion of projects including planning, assigning, monitoring, and reviewing progress and accuracy of work, as well as evaluating results.

  • Understand the policies and procedures of the bank/creditor.

  • Work on multiple projects simultaneously, managing time and resources efficiently and within established deadlines.

  • Provide borrowers with financial statement information by utilizing appropriate software programs, review financial analysis reports, and act as a technical resource for credit software.

  • Keep up-to-date on new laws and regulations affecting the organization's credit practices.

  • A recommendation for a change in risk grade should be made.

  • Providing and maintaining credit obligations reports for Bank customers.

  • Provide mentorship to interns and analyst interns.

  • Perform Loan Reviews as requested by the Lead Loan Review Analyst or Credit Administration Manager.

Qualifications:

  • Knowledge of banking industry practices relative to commercial banking.

  • Proven superior analytical skills

  • Strong negotiating skills

  • Strong written, verbal and interpersonal skills; ability to maintain confidentiality of information, as appropriate.

  • Understanding of the components of the most complex financial statements and personal/corporate tax returns.

  • Proficiency with Microsoft Office products (Word, Excel, Access, Power Point, etc.) and financial statement spreading software is required.

  • A high level of initiative, thoroughness, accuracy and organizational skills required.

  • Detail oriented with effective judgment and time management.

  • Ability to work well independently.

  • Ability to coach and develop others.

  • Ability to provide feedback/train new credit analysts.

  • Ability to plan and conduct special projects or assignments.

Education and/or Education:

  • 5-7 years prior credit analysis experience 

  • Bachelor's Degree. Business, finance, accounting major preferred, other majors with a business minor also acceptable; or equivalent experience.

Technology:

  • Expert computer skills, inclusive of experience with loan origination software and MS Office applications (specifically MS Word and Excel).

  • Expert understanding of various business intelligence/database tools and applications.

Certificates, Licenses and Registrations:

  • Required or preferred certifications

Equal Opportunity Statement:

Enterprise Bank & Trust is committed to helping individuals with disabilities participate in the workforce and ensuring equal opportunity to apply and compete for jobs. If you need an accommodation in order to apply for a position at Enterprise Bank & Trust please contact Human Resources at hr@enterprisebank.com.

Enterprise Bank & Trust is committed to managing our business and community relationships in ways that positively impact our associates, clients, and the diverse communities where we work and live.  We are proud to be an Equal Opportunity Employer.  All qualified applicants will receive consideration for employment without regard to age, race, color, religion, sex, national origin, sexual orientation, gender identity or protected veteran status and will not be discriminated against on the basis of disability.  All employment offers are contingent upon the applicant successfully completing both drug and background check screenings.  If you would like more information about your EEO rights as an applicant under the law, please download the Equal Employment Opportunity is the Law poster HERE.

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