VP, Senior Credit Analyst

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: VP, Senior Credit Analyst Job Description: Summary: Responsible for underwriting all commercial loan transactions secured by real estate, accounts receivable, inventory or fixed assets and unsecured loan transactions at all levels of complexity. Underwriting will include financial analysis with a concentration on cash flow analysis, collateral evaluation and an overall review of the request that results in a solid recommendation. Other responsibilities include reviewing financial information on a periodic basis and analyzing borrowing base certificates along with accounts receivable and inventory reports. Essential Duties and Responsibilities: Underwrite commercial loan transactions, which includes CRE, C&I, leveraged finance, and tax credits Clearly communicate with internal and external customers Work with others to produce needed outcomes and meet deadlines Complete follow-up analysis on financial statements and borrowing base history Maintain up to date knowledge of financial industry, economy, market conditions, and competition Ensure credit related follow-up items (primarily financial statements, Borrowing Base Certificates and Covenant compliance certificates) are reflected on the follow-up systems Provide support to lending officers in structuring and analyzing potential transactions Partner with lending units to maintain oversight of future loan maturities and current pipeline to ensure deadlines are met and maintain a high level of customer service Be an active participant in weekly loan committee meetings as a representative of the Credit Department Assist the Credit Manager in providing coaching and mentoring to junior credit associates At times, accompany Relationship Managers on customer calls and participate in client meetings Qualifications: Ability to underwrite a transaction in a clear and concise manner Ability to analyze financial statements in terms of cash flow, debt service, projection analysis and trend analysis Highly developed analytical skills Excellent written and verbal communication skills Must possess strong decision-making skills Detail oriented with the ability to analyze cash flow, leverage and other financial metrics Ability to think critically, solve problems, make decisions, and build trust across the organization Ability to manage multiple complex tasks simultaneously and prioritize appropriately Present professional image Demonstrated ability to maintain a high degree of focus on customer service Supervisory Responsibilities: None Education and/or Experience: Bachelor’s degree in finance, business, or a related field A minimum of 10 years’ experience in commercial credit involving complex transactions Experience in asset based lending required both in underwriting and monitoring Computer and Software Skills: Knowledge of Microsoft Word, Excel and Power Point 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 View email address on click.appcast.io. 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. Enterprise Bank & Trust was founded on the idea of serving the lifetime financial needs of privately-held businesses, their owner families and other success-minded individuals. That concept has remained as our unwavering and guiding vision. We understand that every business is unique, so we tailor our comprehensive array of banking, trust and financial advisory services to fit the needs of our clients, no matter the size. Although we are equipped with the insights and capabilities of the largest financial companies, we provide our clients with the personal relationship afforded at a small community bank. Headquartered in Clayton, MO, Enterprise Bank & Trust operates branch offices in Arizona, Kansas, Missouri, California, New Mexico and Nevada. Enterprise offers a range of business and personal banking services, and wealth management services including financial planning, estate planning, investment management and trust services to businesses, individuals, institutions, retirement plans, and non-profit organizations. Our parent company, Enterprise Financial Services Corp is publicly traded (Nasdaq: EFSC.) #J-18808-Ljbffr Enterprise Financial Services Corp.