Commercial Credit Strategy Analyst
6 days ago
At Enterprise Bank and Trust, we're dedicated to helping businesses succeed and our communities thrive. Our Senior Credit Analyst plays a crucial role in this mission, serving as a representative of the Bank while providing analytical and administrative support to the commercial, commercial real estate, and consumer lending departments.
About the RoleThis is an exciting opportunity for a highly skilled and motivated individual to join our team as a Commercial Credit Strategy Analyst. As a key member of our credit analysis team, you will be responsible for leading the credit analyst team and working directly with the Chief Credit Officer to develop and implement effective credit strategies.
Key responsibilities include:
- Analyzing financial statements and demonstrating comprehensive knowledge of theories, laws, and policies governing commercial credit, commercial banking, and banking policies.
- Creating 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.
- Assessing the financial condition of collateral guarantors and preparing sensitivity analyses.
- Conducting market and industry analyses (customers, competitors, suppliers, and new entrants).
- Contributing to the development of policy and procedures that safeguard the Bank's commercial credit operations.
- Proposing alternative loan structures.
- Overseeing the completion of projects, including planning, assigning, monitoring, and reviewing progress and accuracy of work, as well as evaluating results.
To be successful in this role, you will need:
- A bachelor's degree in business, finance, or accounting, or equivalent experience.
- 5-7 years of prior credit analysis experience.
- Proven superior analytical skills, strong negotiating skills, and excellent written, verbal, and interpersonal skills.
- Proficiency with Microsoft Office products (Word, Excel, Access, PowerPoint, etc.) and financial statement spreading software.
- A high level of initiative, thoroughness, accuracy, and organizational skills.
- Detail-oriented with effective judgment and time management.
- The ability to work well independently and coach and develop others.
We offer a competitive salary of $85,000 - $110,000 per year, depending on experience. In addition, we provide a range of benefits, including annual paid volunteer time off, charitable-matching opportunities, and a commitment to supporting the communities we serve.
As a valued member of our team, you will have the opportunity to chart your own career path with us, enjoy professional growth opportunities, and work with interesting colleagues who share your passion for making a difference in our communities.
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