Senior Commercial Credit Analyst

Enterprise Bank & Trust; Mesa (AZ); On-site; USD 120,000 - 170,000; Full time

Job summary

Enterprise Bank & Trust seeks a VP, Senior Credit Analyst to underwrite complex commercial loan transactions including real estate, accounts receivable and inventory-based deals. The role emphasizes cash flow analysis, collateral appraisal, and comprehensive reviews leading to strong recommendations.

The candidate will present findings, monitor borrower financials, and support lending teams while staying current on market conditions and regulatory requirements.

Qualifications

• Underwrite commercial loan transactions including CRE, C&I, leveraged finance and tax credits.
• Ability to analyze financial statements focusing on cash flow and trends.
• Strong analytical and communication skills required.
• Excellent written and verbal communication abilities.
• Solid decision-making capabilities.
• Detail oriented with cash flow and collateral analysis skills.
• Ability to think critically and solve problems.
• Manage multiple complex tasks and prioritize effectively.
• Present a professional image to clients and colleagues.

Responsibilities

• Underwrite commercial loan transactions across various product lines.
• Communicate clearly with internal and external customers.
• Collaborate to meet deadlines and deliver outcomes.
• Perform follow-up analysis on financial statements and bases.
• Maintain knowledge of financial markets and competition.
• Ensure covenant and related certificates are tracked.
• Support lending officers in structuring transactions.
• Coordinate with lending units on maturities and pipeline.
• Participate in weekly loan committee meetings.

Skills

Underwrite transactions

Financial statement analysis

Analytical skills

Communication skills

Decision making

Detail oriented

Critical thinking

Problem solving

Multitasking

Professional image

Customer service focus

Education

Bachelor's degree in finance or business

10+ years commercial credit experience

Asset-based lending experience

Tools

Microsoft Word

Excel

PowerPoint

Bankway

Salesforce

Baker Hill

Tax analysis

Gmail

Job description

Enterprise Bank & Trust seeks a VP, Senior Credit Analyst to underwrite complex commercial loan transactions including real estate, accounts receivable and inventory-based deals. The role emphasizes cash flow analysis, collateral appraisal, and comprehensive reviews leading to strong recommendations.

The candidate will present findings, monitor borrower financials, and support lending teams while staying current on market conditions and regulatory requirements.