Enterprise Bank and Trust | Senior Credit Analyst | collinsville, il

2 days ago

collinsville, 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 provide analytical and administrative support to the commercial and consumer lending departments. Your responsibilities include leading a team of credit analysts, conducting financial analysis of loan requests, and mentoring junior staff while ensuring compliance with banking policies. This role allows you to play a crucial part in safeguarding the Bank's operations and supporting local businesses and 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 analysis, commercial lending, banking policies, loan management, risk assessment, financial statements, mentoring, commercial credit, sensitivity analyses

  • Enterprise Bank and Trust | Senior Credit Analyst | collinsville, il

    6 days ago

    collinsville, 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, leading a team of credit analysts while reporting directly to the Chief Credit Officer. Responsibilities include conducting in-depth financial analyses, managing...

  • Senior Credit Analyst

    5 days ago

    Collinsville, IL, 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, leading a team of credit analysts while reporting directly to the Chief Credit Officer. Responsibilities include conducting in-depth financial analyses, managing loan...

  • Senior Credit Analyst

    2 days ago

    Collinsville, IL, 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 provide analytical and administrative support to the commercial and consumer lending departments. Your responsibilities include leading a team of credit analysts, conducting financial analysis of loan requests, and mentoring junior...

  • Enterprise Bank and Trust | Staff Accountant | collinsville, il

    1 week ago

    collinsville, United States Enterprise Bank and Trust Full time

    Staff Accountant at Enterprise Bank and Trust summary: As a Staff Accountant at Enterprise Bank & Trust, you will perform professional accounting tasks including the compilation, consolidation, and analysis of financial data to ensure the integrity of accounting information. Key responsibilities include preparing accurate financial statements and...

  • Enterprise Bank and Trust | Staff Accountant | collinsville, il

    2 days ago

    collinsville, United States Enterprise Bank and Trust Full time

    Staff Accountant at Enterprise Bank and Trust summary: The Staff Accountant at Enterprise Bank & Trust plays a crucial role in performing professional accounting tasks including the compilation, consolidation, and analysis of financial data. Responsibilities include preparing accurate financial statements, conducting variance analysis, and collaborating...

  • Enterprise Bank and Trust | Senior IT Auditor

    2 days ago

    collinsville, United States Enterprise Bank and Trust Full time

    Senior 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, ensuring compliance with Sarbanes-Oxley regulations, and assessing the organization's technology control environment. This role involves documenting audit processes,...

  • Enterprise Bank and Trust | Senior IT Auditor

    1 week ago

    collinsville, United States Enterprise Bank and Trust Full time

    Senior 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 ensuring compliance with Sarbanes-Oxley and regulatory requirements. This role includes developing audit plans, assessing technology controls, and documenting...

  • Senior Financial Analyst

    6 days ago

    Collinsville, Illinois, United States Enterprise Bank and Trust Full time

    About Enterprise Bank & TrustEnterprise Bank & Trust is a leading financial institution that supports the growth of community businesses. With offices across multiple states, we provide our associates with opportunities for professional development and community involvement.Estimated Salary: $60,000 - $80,000 per yearJob DescriptionThe Staff Accountant role...

  • Restaurant Team Lead

    1 week ago

    Collinsville, United States Taco Bell - Collinsville South Full time

    About Taco Bell - Collinsville SouthWe are a dynamic fast-food restaurant looking for a skilled and motivated Restaurant Team Lead to join our team in Collinsville, IL.

  • Management Team Lead

    7 days ago

    Collinsville, Illinois, United States Taco Bell - Collinsville South Full time

    **Job Title:** Management Team Lead - Collinsville IL Taco Bell - Collinsville South Overview:We are a dynamic team at Taco Bell - Collinsville South, striving to deliver exceptional customer experiences and drive sales growth. As a Management Team Lead, you will play a pivotal role in leading our store operations, ensuring seamless execution of company...

  • Kitchen Team Member

    6 days ago

    Collinsville, United States Taco Bell - Collinsville South Full time

    About the RoleTaco Bell - Collinsville South is seeking a diligent individual to fill the position of a full-time or part-time Kitchen Cook in Collinsville, IL.Key ResponsibilitiesPrepare all food items as directed in a sanitary and timely mannerFollow recipes and presentation specificationsOperate standard kitchen equipment safely and efficientlyClean and...

  • Food Preparation Specialist

    7 days ago

    Collinsville, Illinois, United States Taco Bell - Collinsville Full time

    About the Opportunity">Are you a skilled cook looking for a new challenge? We are seeking a Food Preparation Specialist to join our team at Taco Bell in Collinsville, IL. This is a full-time or part-time opportunity that offers a competitive salary and benefits package.">Job Description">As a Food Preparation Specialist, you will be responsible for preparing...

  • Commercial Banking Risk Management Specialist

    4 days ago

    Collinsville, Oklahoma, United States Enterprise Bank and Trust Full time

    About Enterprise Bank and TrustEnterprise Bank and Trust is a leading financial institution committed to helping individuals and businesses achieve their financial goals. With a strong presence in several states, we offer a wide range of financial services to meet the diverse needs of our customers.

  • Drivers / Laborers - Collinsville

    1 month ago

    Collinsville, United States TWO MEN AND A TRUCK Full time

    HIRING IMMEDIATELY – DRIVERS / LABORERS! All the relevant skills, qualifications and experience that a successful applicant will need are listed in the following description. **ONSITE JOB OFFERS!!!** (start working the next day!) PAY! DRIVERS EARN $21+ PER HOUR PLUS TIPS! TIPS earned daily! (top performers average $300 - $500 per week!) Guaranteed 2 days...

  • Drivers / Laborers - Collinsville

    1 month ago

    Collinsville, United States TWO MEN AND A TRUCK® Full time

    HIRING IMMEDIATELY – DRIVERS / LABORERS!**ONSITE JOB OFFERS!!!** (start working the next day!)PAY!DRIVERS EARN $21+ PER HOUR PLUS TIPS!TIPS earned daily! (top performers average $300 - $500 per week!)Guaranteed 2 days off per week! (Closed on Sunday’s)Weekly pay via direct depositBenefits: medical, vision, dental, 401(k), Paid Time OffEarn up to 2 weeks...

  • Drivers / Laborers - Collinsville

    1 week ago

    Collinsville, United States TWO MEN AND A TRUCK® Full time $21

    HIRING IMMEDIATELY – DRIVERS / LABORERS!All the relevant skills, qualifications and experience that a successful applicant will need are listed in the following description.**ONSITE JOB OFFERS!!!** (start working the next day!)PAY!DRIVERS EARN $21+ PER HOUR PLUS TIPS!TIPS earned daily! (top performers average $300 - $500 per week!)Guaranteed 2 days off per...

  • Senior IT Auditor

    2 days ago

    Collinsville, United States Enterprise Bank and Trust Full time

    Senior 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, ensuring compliance with Sarbanes-Oxley regulations, and assessing the organization's technology control environment. This role involves documenting audit processes,...

  • Senior IT Auditor

    1 week ago

    Collinsville, United States Enterprise Bank and Trust Full time

    Senior 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 ensuring compliance with Sarbanes-Oxley and regulatory requirements. This role includes developing audit plans, assessing technology controls, and documenting...

  • Senior IT Auditor

    3 weeks ago

    collinsville, 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 IT Auditor

    3 weeks ago

    Collinsville, 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...