Senior Credit Analyst

5 days ago

Saint Louis MO, United States Enterprise Bank and Trust Full time

Senior Credit Analyst at Enterprise Bank and Trust summary:

The Senior Credit Analyst at Enterprise Bank & Trust provides analytical and administrative support to the commercial lending departments while mentoring junior analysts and leading the credit analyst team. Responsibilities include conducting financial analyses, managing loan requests, and developing policies to support commercial credit operations. The role requires comprehensive knowledge of credit theories and banking policies, along with strong analytical and negotiation skills.

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 Analyst Job 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 .

Keywords:

Senior Credit Analyst, financial analysis, commercial lending, credit investigation, risk assessment, loan management, banking policies, financial statements, mentorship, data analysis

  • Senior Credit Analyst

    2 days ago

    Saint Louis, MO, United States Enterprise Bank and Trust Full time

    Senior Credit Analyst at Enterprise Bank and Trust summary: As a Senior Credit Analyst at Enterprise Bank & Trust, I provide analytical and administrative support to our commercial and consumer lending departments. My role involves leading the credit analyst team, conducting credit investigations, performing financial analyses, and managing loans, all...

  • Senior Credit Analyst

    22 hours ago

    Saint Louis, United States PEG Staffing Full time

    Job DescriptionJob DescriptionAre you an experienced professional in banking or commercial lending looking to advance your career with flexibility? A leading financial institution is seeking a Senior Credit Analyst to join their team. In this hybrid role you can be based in St. Louis, MO, or Albuquerque, NM.Why Join Us as a Senior Credit Analyst?Use your...

  • Senior Credit Analyst

    5 hours ago

    Saint Louis, United States PEG Staffing and Recruiting, Inc. Full time $85,000

    About the RoleAll candidates should make sure to read the following job description and information carefully before applying.PEG’s client is seeking a Senior Credit Analyst to perform financial analyses, review loan requests, and help develop credit policies. This role includes mentoring analysts, providing training, and managing projects to ensure...

  • Senior Credit Analyst

    4 days ago

    SAINT LOUIS, MO, MO, 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...

  • Senior Credit Analyst

    5 days ago

    St. Louis, MO, United States Enterprise Bank and Trust Full time

    Senior Credit Analyst at Enterprise Bank and Trust summary: The Senior Credit Analyst at Enterprise Bank & Trust provides analytical and administrative support to the commercial lending departments while mentoring junior analysts and leading the credit analyst team. Responsibilities include conducting financial analyses, managing loan requests, and...

  • Senior Credit Analyst

    2 days ago

    Hazelwood, MO, United States Enterprise Bank and Trust Full time

    Senior Credit Analyst at Enterprise Bank and Trust summary: As a Senior Credit Analyst at Enterprise Bank & Trust, I provide analytical support to commercial lending departments while overseeing a team of credit analysts. My responsibilities include conducting financial analysis, managing loans, and mentoring junior analysts to ensure the bank's...

  • Senior Credit Analyst

    5 days ago

    Manchester, MO, United States Enterprise Bank and Trust Full time

    Senior Credit Analyst at Enterprise Bank and Trust summary: As a Senior Credit Analyst at Enterprise Bank & Trust, I provide analytical and administrative support to various lending departments while leading the credit analyst team. My role involves conducting comprehensive financial analyses and credit investigations, managing loans, and mentoring junior...

  • Senior Credit Analyst

    2 days ago

    Crestwood, MO, United States Enterprise Bank and Trust Full time

    Senior Credit Analyst at Enterprise Bank and Trust summary: As a Senior Credit Analyst at Enterprise Bank & Trust, I provide analytical and administrative support to our lending departments, leading a team of credit analysts and working closely with the Chief Credit Officer. My role involves conducting detailed financial analyses, assessing loan requests,...

  • Senior Credit Analyst

    5 days ago

    Hazelwood, MO, United States Enterprise Bank and Trust Full time

    Senior Credit Analyst at Enterprise Bank and Trust summary: As a Senior Credit Analyst at Enterprise Bank & Trust, you will analyze financial statements, provide support to commercial lending departments, and lead a team of credit analysts. Your responsibilities include conducting credit investigations, assessing loan risks, and developing policies to...

  • Senior Credit Analyst

    5 days ago

    Crestwood, MO, United States Enterprise Bank and Trust Full time

    Senior Credit Analyst at Enterprise Bank and Trust summary: The Senior Credit Analyst at Enterprise Bank & Trust plays a pivotal role in providing analytical and administrative support to the bank's lending departments. Responsibilities include analyzing complex financial statements, conducting credit investigations, mentoring junior analysts, and...

  • Senior Credit Analyst

    2 days ago

    Clayton, MO, United States Enterprise Bank and Trust Full time

    Senior Credit Analyst at Enterprise Bank and Trust summary: The Senior Credit Analyst at Enterprise Bank & Trust provides analytical and administrative support to various lending departments. This role includes leading the credit analyst team, conducting credit investigations, performing financial analysis, and managing loans while ensuring compliance with...

  • Senior Credit Analyst

    5 days ago

    Clayton, MO, United States Enterprise Bank and Trust Full time

    Senior Credit Analyst at Enterprise Bank and Trust summary: As a Senior Credit Analyst at Enterprise Bank & Trust, I provide analytical and administrative support to various lending departments while leading the credit analyst team. My role involves mentoring junior analysts, conducting comprehensive financial analyses, and developing risk mitigation...

  • Senior Credit Analyst

    2 days ago

    Manchester, MO, United States Enterprise Bank and Trust Full time

    Senior Credit Analyst at Enterprise Bank and Trust summary: As a Senior Credit Analyst at Enterprise Bank & Trust, I lead a team in providing analytical and administrative support to the bank's lending departments, focusing on commercial, commercial real estate, and consumer loans. My responsibilities include conducting in-depth financial analyses,...

  • Senior Credit Analyst

    2 days ago

    Jennings, MO, United States Enterprise Bank and Trust Full time

    Senior Credit Analyst at Enterprise Bank and Trust summary: The Senior Credit Analyst at Enterprise Bank & Trust provides analytical and administrative support to various lending departments while leading the credit analyst team. Responsibilities include conducting credit investigations, financial analysis, and managing loan risks. This role requires...

  • Senior Credit Analyst

    5 days ago

    Bridgeton, MO, United States Enterprise Bank and Trust Full time

    Senior Credit Analyst at Enterprise Bank and Trust summary: The Senior Credit Analyst is responsible for providing analytical and administrative support to commercial lending departments while leading a team of credit analysts. This role involves conducting financial analysis, assessing risks associated with loan requests, and developing policies to...

  • Senior Credit Analyst

    2 days ago

    Bridgeton, MO, United States Enterprise Bank and Trust Full time

    Senior Credit Analyst at Enterprise Bank and Trust summary: The Senior Credit Analyst at Enterprise Bank & Trust plays a crucial role in providing analytical and administrative support to various lending departments while leading the credit analyst team. Responsibilities include analyzing financial statements, evaluating loan requests, conducting risk...

  • Senior Credit Analyst

    2 days ago

    Oakville, MO, United States Enterprise Bank and Trust Full time

    Senior Credit Analyst at Enterprise Bank and Trust summary: The Senior Credit Analyst at Enterprise Bank & Trust provides analytical and administrative support to commercial, commercial real estate, and consumer lending departments. This role involves leading the credit analyst team, conducting thorough financial analysis, managing loan processes, and...

  • Senior Credit Analyst

    2 days ago

    Ferguson, MO, United States Enterprise Bank and Trust Full time

    Senior Credit Analyst at Enterprise Bank and Trust summary: As a Senior Credit Analyst at Enterprise Bank & Trust, you'll provide analytical and administrative support to lending departments while leading a team of credit analysts. This role involves conducting financial analysis, managing loans, and assessing the risks associated with complex...

  • Senior Credit Analyst

    5 days ago

    Ferguson, MO, United States Enterprise Bank and Trust Full time

    Senior Credit Analyst at Enterprise Bank and Trust summary: As a Senior Credit Analyst at Enterprise Bank & Trust, you will lead the credit analyst team and provide analytical support to the bank's lending departments. Your role includes analyzing financial statements, conducting credit investigations, and developing policies to support commercial...

  • Senior Credit Analyst

    5 days ago

    Jennings, MO, United States Enterprise Bank and Trust Full time

    Senior Credit Analyst at Enterprise Bank and Trust summary: The Senior Credit Analyst at Enterprise Bank & Trust provides analytical and administrative support to commercial lending departments, demonstrating expertise in credit investigations and financial analyses. They lead a team of credit analysts, mentor junior staff, and contribute to policy...