Strategic Commercial Credit Expert

Enterprise Bank and Trust Overview

We are a leading bank that prides itself on its commitment to entrepreneurship, community, and financial success. With a strong presence in Arizona, California, Florida, Kansas, Missouri, New Mexico, Nevada, and Texas, we strive to support businesses and communities alike.

About the Role

As a Sr. Credit Analyst, you will play a crucial role in providing analytical and administrative support to our lending departments, leading a team of credit analysts, and conducting comprehensive financial analyses. This position involves assessing the financial condition of borrowers, preparing detailed risk analyses, and developing policies to safeguard our operations.

Key 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.

Requirements:

• 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.

Benefits

• Estimated salary: $80,000 - $120,000 per year based on experience.
• A competitive benefits package, including annual paid volunteer time off and charitable-matching opportunities.
• The opportunity to chart your own career path with us.

Equal Opportunity Employer

Enterprise Bank & Trust is an equal opportunity employer 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.