Enterprise Bank and Trust | Senior Credit Analyst | maryland heights, mo
5 days ago
The Senior Credit Analyst at Enterprise Bank & Trust plays a crucial role in providing analytical and administrative support across commercial, commercial real estate, and consumer lending departments. This position involves mentoring a team of credit analysts, conducting detailed financial analyses, managing loan structures, and ensuring the compliance of credit operations with policies and industry regulations. With a strong focus on professional growth and community support, the Senior Credit Analyst contributes to the bank's mission of driving financial success for clients and their communities.
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 .
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:
credit analysis, financial statements, commercial lending, analytical skills, risk assessment, loan management, financial analysis, banking policies, team leadership, mentor training
-
maryland heights, United States Enterprise Bank and Trust Full timeSenior Credit Analyst at Enterprise Bank and Trust summary: The Senior Credit Analyst at Enterprise Bank & Trust provides analytical and administrative support to the commercial, commercial real estate, and consumer lending departments. This role involves conducting financial analyses, mentoring a team of credit analysts, and ensuring compliance with...
-
fairview heights, United States Enterprise Bank and Trust Full timeSenior Credit Analyst at Enterprise Bank and Trust summary: The Senior Credit Analyst at Enterprise Bank & Trust is responsible for providing analytical and support services to the bank's lending departments. This role includes leading the credit analyst team, conducting financial analyses, managing loans, and mentoring junior analysts. The position...
-
fairview heights, United States Enterprise Bank and Trust Full timeSenior Credit Analyst at Enterprise Bank and Trust summary: The Senior Credit Analyst at Enterprise Bank & Trust is responsible for providing analytical and administrative support to various lending departments while leading the credit analyst team. Key responsibilities include conducting comprehensive financial analyses, assessing loan risks, and...
-
maryland heights, United States Enterprise Bank and Trust Full timeSenior IT Auditor (Hybrid Eligible: MO) at Enterprise Bank and Trust summary: The Senior IT Auditor at Enterprise Bank & Trust is responsible for conducting risk-based IT internal audits and ensuring compliance with Sarbanes-Oxley and regulatory requirements. This role involves developing audit plans, assessing technology control environments,...
-
maryland heights, United States Enterprise Bank and Trust Full timeSenior IT Auditor (Hybrid Eligible: MO) at Enterprise Bank and Trust summary: As a Senior IT Auditor at Enterprise Bank & Trust, you will be responsible for conducting risk-based IT internal audits to ensure compliance with regulations such as Sarbanes-Oxley. Your role involves assessing technology control environments, documenting processes, and...
-
Senior Credit Analyst
5 days ago
Maryland Heights, United States Enterprise Bank and Trust Full timeSenior 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 across commercial, commercial real estate, and consumer lending departments. This position involves mentoring a team of credit analysts, conducting detailed financial...
-
Senior Credit Analyst
1 day ago
Maryland Heights, United States Enterprise Bank and Trust Full timeSenior Credit Analyst at Enterprise Bank and Trust summary: The Senior Credit Analyst at Enterprise Bank & Trust provides analytical and administrative support to the commercial, commercial real estate, and consumer lending departments. This role involves conducting financial analyses, mentoring a team of credit analysts, and ensuring compliance with...
-
Senior Credit Analyst
5 days ago
Maryland Heights, MO, United States Enterprise Bank and Trust Full timeSenior 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 across commercial, commercial real estate, and consumer lending departments. This position involves mentoring a team of credit analysts, conducting detailed financial...
-
maryland heights, United States Enterprise Bank and Trust Full timeStaff Accountant at Enterprise Bank and Trust summary: As a Staff Accountant at Enterprise Bank & Trust, I perform professional accounting duties including the analysis and consolidation of financial data to ensure the integrity of the organization's financial information. My responsibilities include preparing financial statements, management reports,...
-
Senior Credit Analyst
2 days ago
Maryland Heights, MO, United States Enterprise Bank and Trust Full timeSenior Credit Analyst at Enterprise Bank and Trust summary: The Senior Credit Analyst at Enterprise Bank & Trust provides analytical and administrative support to the commercial, commercial real estate, and consumer lending departments. This role involves conducting financial analyses, mentoring a team of credit analysts, and ensuring compliance with...
-
maryland heights, United States Enterprise Bank and Trust Full timeStaff Accountant at Enterprise Bank and Trust summary: The Staff Accountant performs professional accounting work involving the compilation, consolidation, and analysis of financial data, ensuring the integrity of financial information through accurate record-keeping and reporting. Responsibilities include preparing financial statements, conducting...
-
Senior Credit Analyst
5 days ago
Fairview Heights, IL, United States Enterprise Bank and Trust Full timeSenior Credit Analyst at Enterprise Bank and Trust summary: The Senior Credit Analyst at Enterprise Bank & Trust is responsible for providing analytical and support services to the bank's lending departments. This role includes leading the credit analyst team, conducting financial analyses, managing loans, and mentoring junior analysts. The position...
-
Senior Credit Analyst
2 days ago
Fairview Heights, IL, United States Enterprise Bank and Trust Full timeSenior Credit Analyst at Enterprise Bank and Trust summary: The Senior Credit Analyst at Enterprise Bank & Trust is responsible for providing analytical and administrative support to various lending departments while leading the credit analyst team. Key responsibilities include conducting comprehensive financial analyses, assessing loan risks, and...
-
fairview heights, United States Enterprise Bank and Trust Full timeSenior IT Auditor (Hybrid Eligible: MO) at Enterprise Bank and Trust summary: The Senior IT Auditor at Enterprise Bank & Trust is responsible for executing risk-based IT internal audits, assessing technology controls, and ensuring compliance with regulatory requirements like Sarbanes-Oxley. This role involves drafting audit reports, presenting findings...
-
Senior Credit Analyst
2 days ago
Fairview Heights, IL, United States Enterprise Bank and Trust Full timeSenior Credit Analyst at Enterprise Bank and Trust summary: The Senior Credit Analyst at Enterprise Bank & Trust is responsible for providing analytical and administrative support to various lending departments while leading the credit analyst team. Key responsibilities include conducting comprehensive financial analyses, assessing loan risks, and...
-
fairview heights, United States Enterprise Bank and Trust Full timeSenior IT Auditor (Hybrid Eligible: MO) at Enterprise Bank and Trust summary: The Senior IT Auditor at Enterprise Bank & Trust is responsible for executing risk-based IT internal audits and supporting Sarbanes-Oxley IT testing. The role involves assessing technology control environments, documenting risks, and presenting findings to management. Ideal...
-
Senior Credit Analyst
6 days ago
Fairview Heights, IL, United States Enterprise Bank and Trust Full timeEnterprise 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...
-
Financial Analyst
7 days ago
Maryland Heights, Missouri, United States Enterprise Bank and Trust Full timeAs a Financial Analyst at Enterprise Bank and Trust, you will play a critical role in the success of our organization. With a strong understanding of financial processes and Generally Accepted Accounting Principles (GAAP), you will be responsible for preparing timely and accurate financial statements and reports. Your analytical skills will be essential in...
-
Commercial Credit Banking Expert
4 days ago
Fairview Heights, Illinois, United States Enterprise Bank and Trust Full timeJob SummaryWe are seeking a highly skilled Commercial Credit Banking Expert to join our team at Enterprise Bank and Trust. This role involves providing analytical and support services to our lending departments, including leading the credit analyst team, conducting financial analyses, managing loans, and mentoring junior analysts.About UsEnterprise Bank and...
-
Senior IT Auditor
1 week ago
Maryland Heights, United States Enterprise Bank and Trust Full timeSenior IT Auditor (Hybrid Eligible: MO) at Enterprise Bank and Trust summary: The Senior IT Auditor at Enterprise Bank & Trust is responsible for conducting risk-based IT internal audits and ensuring compliance with Sarbanes-Oxley and regulatory requirements. This role involves developing audit plans, assessing technology control environments,...
