VP Senior Credit Analyst - Senior Commercial Lending Expert

Enterprise Bank & Trust; Mesa (AZ); On-site; USD 110,000 - 165,000; Full time

Job summary

Enterprise Bank & Trust, headquartered in the Southwest, seeks a VP, Senior Credit Analyst to manage underwriting for complex commercial loans including real estate and asset-based lending. You will provide analytical insight, credit recommendations, and collaborate with lending teams to optimize outcomes.

The role requires strong financial statement analysis, cash flow projections, and the ability to mentor junior staff while maintaining a customer-focused approach and adherence to regulatory

Qualifications

• 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.
• Strong ability to analyze financial statements, cash flow, and leverage.

Responsibilities

• Underwrite commercial loan transactions including CRE, C&I, leveraged finance, and tax credits.
• Clearly communicate with internal and external customers.
• Collaborate with others to produce outcomes and meet deadlines.
• Complete follow-up analysis on financial statements and borrowing base history.
• Maintain up-to-date knowledge of financial industry, economy, and competition.
• Ensure credit-related follow-up items are reflected on follow-up systems.
• Support lending officers in structuring and analyzing transactions.
• Partner with lending units to oversee maturities and pipeline to meet deadlines.

Skills

Underwriting

Financial analysis

Cash flow analysis

Communication

Decision making

Attention to detail

Analytical thinking

Multitasking

Customer service focus

Team collaboration

Education

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

Tools

Bankway

Salesforce

Baker Hill-Statement Analyzer

Buker's Tax Analysis

Gmail

Microsoft Word

Excel

PowerPoint

Job description

Enterprise Bank & Trust, headquartered in the Southwest, seeks a VP, Senior Credit Analyst to manage underwriting for complex commercial loans including real estate and asset-based lending. You will provide analytical insight, credit recommendations, and collaborate with lending teams to optimize outcomes.

The role requires strong financial statement analysis, cash flow projections, and the ability to mentor junior staff while maintaining a customer-focused approach and adherence to regulatory