Credit Portfolio Risk Management Specialist

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 Portfolio Risk Management SpecialistJob Description:

Essential Duties & Responsibilities

• Analyzes the loan portfolio and its various components, compiles monthly credit portfolio reporting to provide information to Executive Management on the status of the portfolio and emerging trends.

• Investigates and resolves data integrity issues impacting loan portfolio reporting/analytics accuracy.

• Performs stress test and sensitivity analysis of the Banks’ loan portfolio using nCino Portfolio Analytics.

  • Quantifies historical and forecasted future loan behavior to determine financial impact on asset quality under varying market and internal assumptions.

  • Applies what-if scenarios to the portfolio such as interest rate shocks, collateral devaluation, systemic interruption of specific loan markets, etc.

• Develops, maintains, and coordinates flow of documentation and reporting for the Banks’ Credit Committee of the Board of Directors

• Monitors Shared National Credits (SNCs) and participated loans on a quarterly basis and prepare/submits reports with the Federal Reserve Bank as necessary.

• Performs ad hoc reporting for senior management, other business units and internal/external auditors as needed.

• When applicable, participates in market evaluations related to potential acquisitions using company and third-

• party data-bases and other discoverable relevant information.

• Leads, or supports, special projects as necessary to support overall Bank objectives.

• Assist with the allowance for credit loss (ACL) as needed; cross-trained with the ACL Analyst.

Qualifications

• Strong oral and written communication skills. Must be able to concisely and clearly express opinions, observations and recommendations in a confident manner.

• Ability to prioritize, handle multiple tasks, and work independently.

• Solid organizational skills and must be detailed-oriented

• Able to communicate and work well with others to accomplish goals.

• Analytical experience with statistical and mathematical concepts and the use of applicable software.

• Ability to collect data, establish facts, and draw valid conclusions.

Supervisory Responsibilities

• None

Education and/or Experience

• Bachelor’s degree and/or advanced degree in business administration, accounting, or finance preferred; or

• Bachelor’s degree with significant experience

• Minimum 5 years related experience

• Experience as a credit, portfolio, financial, or investment analyst preferred.

• Experience with/understanding of commercial real estate markets and performance metrics.

Computer and Software Skills

• Advanced or expert-level experience with MS Excel, including PowerPivot.

• Experience with Salesforce client management system.

• Knowledge of database software is a plus.

Certifications, 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.