Senior Credit Analyst

Enterprise Bank & Trust; Mesa (AZ); On-site; USD 140,000 - 180,000; Full time

Job summary

Enterprise Bank & Trust is seeking a VP, Senior Credit Analyst to lead underwriting of complex commercial loan transactions, with a deep focus on cash flow analysis, collateral evaluation, and risk assessment. The role supports lending decisions and ensures high-quality credit reviews.

You will collaborate with lending teams, participate in weekly loan committee meetings, and mentor junior staff while maintaining industry knowledge and regulatory awareness.

Qualifications

• Underwrite commercial loan transactions with emphasis on complex structures
• Analyze financial statements focusing on cash flow and leverage
• Provide clear, concise credit recommendations
• Maintain up-to-date knowledge of industry and market conditions
• Communicate effectively with internal/external clients

Responsibilities

• Underwrite CRE, C&I, leveraged finance, and tax credit loans
• Clearly communicate with customers and lending teams
• Collaborate to meet deadlines and client needs
• Perform follow-up analysis of financial statements and borrowing base history
• Monitor covenant compliance and reporting
• Support lending officers in structuring transactions
• Coordinate with lending units on maturities and pipeline
• Represent Credit Department in weekly loan committee
• Coach and mentor junior credit associates
• Attend client meetings when needed

Skills

Underwriting ability

Financial statement analysis

Cash flow analysis

Communication skills

Decision making

Problem solving

Attention to detail

Customer service focus

Multi-tasking

Education

Bachelor's degree in finance, business, or related field

Tools

Microsoft Word

Excel

PowerPoint

Bankway

Salesforce

Baker Hill-Statement Analyzer

Buker's Tax Analysis

Gmail

Job description

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 [e-mail].

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 race, color, religion, sex, sexual orientation, gender identity, national origin, age, pregnancy, genetic information, disability, status as a protected veteran, or any other protected category under applicable federal, state, and local laws. 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 clickHERE.