Credit Analyst I

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:Credit Analyst IJob Description:Essential Duties and Responsibilities:

• Spread and analyze corporate and individual financial statements and tax returns.

• Underwrite new and renewal commercial loans and non-loan credit exposure resulting in relevant and sound credit recommendations. Loan requests will be underwritten for the Business Banking channel and Commercial Banking channel when qualifying for short form credit memos .

• Ongoing analyses of customers’ financial performance and completion of annual credit relationship reviews.

• Monitor and maintain covenant, borrowing base and financial reporting requirements. Communicate results to appropriate associates and obtain approvals as needed.

• Ensure compliance with Loan Policy, Lending Guidelines and banking laws and regulations.

• Successfully complete eLearning, self-study and external seminars as part of the credit training program

• Respond to inquiries from business unit associates and assist with managing the centralized credit email inbox.

• Assist with special projects and management reports.

Qualifications:

• Strong mathematical and analytical skills.

• Knowledge of generally accepted accounting principles and ability to read a financial statement.

• Must possess strong written and verbal communication and presentation skills. Must possess the ability to communicate in a clear and concise manner with internal and external customers.

• Ability to prioritize and multi-task in a fast paced environment.

• Strong organizational skills, detail oriented, efficient and ability to maintain a high degree of accuracy.

• Ability to work as a member of a team to produce needed outcomes and meet deadlines.

Supervisory Responsibilities:

• None

Education and/or Experience:

• Bachelor's degree (B. A.) from four-year college or university in Accounting, Finance, Economics, Business, or related field

Computer and Software Skills:

• Skilled in operation of a personal computer, including Microsoft Office

• Bankway

• Salesforce

• Baker Hill - Statement Analyzer

• Buker's Tax Analysis

• Gmail

Certificates, Licenses and Registrations:

• None

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 [email protected].

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.