Enterprise Bank & Trust ir banku un finanšu pakalpojumu uzņēmums, kas apkalpo privātpersonas un uzņēmumus, piedāvājot personīgo banku pakalpojumus, komerciālo kreditēšanu, kases pārvaldību, mājokļa kredītus, bagātības pārvaldību un privāto banku pakalpojumus. Tā pieeja apvieno uz attiecībām vērstu apkalpošanu ar ieguldījumiem kopienās, kurās uzņēmums darbojas, atbalstot klientus finansiālās drošības plānošanā un uzņēmējdarbības izaugsmes veicināšanā. Uzņēmuma plašā finanšu kompetence piedāvā iespējas strādāt banku, konsultāciju un saistīto finanšu pakalpojumu jomās.
Credit Analyst III – Commercial Lending | Enterprise Bank & Trust | St. Louis, MO Onsite
Enterprise Bank & Trust is seeking a Credit Analyst III to evaluate complex commercial lending requests, prepare underwriting and credit documentation, and assess financial risk. The role also supports relationship managers and develops junior credit analysts in an onsite St. Louis environment.
Apraksts
- Manage complex credit assignments, including large transactions and requests involving significant relationship exposure, with limited supervision.
- Review available credit and financial information from all relevant sources.
- Summarize findings, present supporting facts, and provide informed creditworthiness opinions.
- Lead, coach, and mentor members of a subordinate team.
- Collaborate with Relationship Managers and join customer calls as needed to support comprehensive underwriting.
- Prepare and spread business and personal financial statements and cash flow analyses.
- Confirm compliance with loan covenants.
- Develop loan approvals, annual reviews, and credit analyses for new requests, modifications, and short-term extensions.
- Review accounts receivable and payable aging, work-in-progress reports, and borrowing base certificates.
- Join Commercial Loan Officers on customer and prospect calls when relevant to credit assignments.
- Contribute to management discussions about the creditworthiness of proposed loans.
- Perform external research using industry reports, personal credit reports, and real estate market analyses.
- Produce reports and complete assigned special projects.
- Serve as a peer mentor and trainer for entry-level Credit Analysts.
Prasības
- Four to six years of credit analysis experience or comparable capabilities.
- Prior experience working as a credit analyst or loan officer.
- Bachelor’s degree required; business, finance, or accounting is preferred, while other majors with a business minor are also acceptable.
- Comprehensive knowledge of commercial and industrial and/or commercial real estate lending, including credit and risk analysis, regulations, cash flow analysis, project economics and valuation, guarantor analysis, and market analysis.
- Thorough understanding of underwriting, credit analysis, and commercial loan structuring.
- Proficiency in commercial real estate and/or commercial and industrial lending, including debt service coverage, cash flow, construction budgets, sources and uses, strengths and weaknesses, and mitigating factors.
- Moderate to advanced knowledge of accounting, statistics, and economics.
- Strong understanding of commercial credit products, market conditions, and lending procedures.
- Excellent analytical, quantitative, verbal, and written communication skills, including advanced business writing.
- Ability to lead effectively and collaborate as part of a cohesive team.
- Exceptional attention to detail.
- Advanced ability to prioritize time and manage multiple tasks.
- Advanced capability in project planning and administration.
- Ability to perform financial research and present clear reports to colleagues with varied professional backgrounds.
- Ability to make consequential decisions and negotiate effectively.
- Ability to build and sustain client and business relationships.
- Strong interpersonal abilities and advanced business judgment.
- Discretion and commitment to safeguarding confidential information.
- Strong computer proficiency, including loan origination systems and Microsoft Office, particularly Word and Excel.
- Advanced familiarity with business intelligence and database applications.
- Advanced spreadsheet skills and experience.
- No certifications, licenses, or registrations are required.
Priekšrocības
- Annual paid time for volunteer activities.
- Opportunities for charitable donation matching.
- A range of employee benefits.
- Professional development and advancement opportunities.
- Drug screening and background checks may be required after an employment offer.