Junior Credit Analyst: Growth in Risk & Lending

Enterprise Bank & Trust; Creve Coeur (MO); On-site; USD 42,000 - 58,000; Full time

Job summary

Enterprise Bank & Trust invites applications for a Credit Analyst I. This role focuses on evaluating credit risk by gathering and analyzing financial data, preparing summaries, and communicating findings to loan officers.

You will verify information, monitor accounts, and ensure compliance with regulations while supporting colleagues and applicants with clear credit decisions. Ideal candidates have a Bachelor's degree in business/finance, strong spreadsheet skills, and a practical understanding

Qualifications

• Performs work under direct supervision. Handles basic issues and problems, and refers more complex issues to higher-level staff.
• Experience using spreadsheet software
• Basic understanding of accounting, statistics, and economics
• Previous experience as a credit analyst or loan officer
• Understanding of commercial credit products, market trends, and loan procedures
• Detail-oriented
• Ability to analyze and think critically
• Skills in quantitative analysis
• Ability to manage time and multitask effectively
• Ability to communicate effectively
• Planning and managing projects
• Ability to conduct research on financial topics and present accessible reports to colleagues with differing backgrounds
• Capable of making high-stakes decisions and negotiating effectively
• Ability to establish and maintain client and business relationships, as well as strong interpersonal skills
• Acumen for business
• Discretion and dedication to protecting clients, business partners, and employers' private information

Responsibilities

• Investigates all available sources of credit and financial information.
• Prepares summaries, presents facts, and occasionally offers opinions concerning credit-worthiness.
• Provides credit information and references for customers, loan officers, or other agencies as requested.
• Maintains control over current accounts, watches for any developing problems, and keeps loan officers informed.
• Assesses the risk of loan applicants by gathering and analyzing their financial data.
• Identifies a person's creditworthiness, a company's creditworthiness, or an institution's creditworthiness.
• Approves or denies loans in collaboration with other financial experts.
• Assesses whether a line of credit should be extended, increased, or closed and makes recommendations accordingly.
• Analyzes risk based on regional, sector-specific, and environmental information.
• Reports credit information and prepares them.
• Conducts quality assurance reviews.
• Analyzes market trends.
• Ensures collateral compliance covenants are adhered to.
• Maintains compliance with federal, state, and local financial regulations.
• Verifies information and uncovers fraud by analyzing data.
• Enhances credit rating criteria by updating them.
• Prepares financial documents related to credit risk.
• Informs colleagues and applicants of credit decisions and policies.
• Prepares documents or oversees their preparation.

Skills

Spreadsheet

Critical thinking

Communication

Time management

Interpersonal skills

Quantitative analysis

Project planning

Financial topic research

Discretion & confidentiality

Education

Bachelor's degree (Business/Finance/Accounting)

Equivalent experience

Tools

Microsoft Office

Job description

Enterprise Bank & Trust invites applications for a Credit Analyst I. This role focuses on evaluating credit risk by gathering and analyzing financial data, preparing summaries, and communicating findings to loan officers.

You will verify information, monitor accounts, and ensure compliance with regulations while supporting colleagues and applicants with clear credit decisions. Ideal candidates have a Bachelor's degree in business/finance, strong spreadsheet skills, and a practical understanding