Credit Analyst II

Enterprise Bank & Trust - Creve Coeur, MO

Full-time - Mid Level

Creve Coeur, MO

Credit Intermediation and Related Activities

About the position

As a Credit Analyst II at Enterprise Bank & Trust, you will develop analytical and underwriting skills to identify and evaluate risks associated with commercial credit, including Commercial and Industrial (C&I) and Commercial Real Estate (CRE). This role involves monitoring credit quality trends and preparing various underwriting products to support commercial lending relationships.

Responsibilities

• Investigates all available sources of credit and financial information.
• Prepares summaries, presents facts, and offers opinions concerning credit-worthiness.
• Handles moderately complex issues and problems, referring more complex issues to higher-level staff.
• Prepares loan approvals, annual reviews, and credit analysis for new requests, modifications, and short-term extensions of existing loans.
• Prepares and spreads business financial statements and cash flows, as well as personal financial statements for personal guarantors.
• Verifies covenant compliance.
• Conducts analysis on accounts receivable and accounts payable aging reports, work in progress reports, and borrowing base certificates.
• Participates in discussions with direct manager regarding creditworthiness of proposed loan requests.
• Conducts third-party research, including industry reports, personal credit reports, and real estate analysis with market assessments.
• Prepares reports and handles special assignments as warranted.

Requirements

• Bachelor's Degree in Business, Finance, or Accounting preferred.
• 2 - 4 years prior credit analysis or equivalent experience/capabilities.
• Solid working knowledge of subject matter related to credit analysis.
• Moderate understanding of accounting, statistics, and economics.
• Experience using spreadsheet software.
• Detail-oriented with the ability to analyze and think critically.
• Excellent analytical, verbal, and written communication skills.
• Ability to manage time and multitask effectively.
• Capable of making high-stakes decisions and negotiating effectively under guidance.

Nice-to-haves

• Understanding of commercial credit, market trends, and loan procedures.
• Demonstrated understanding of various business intelligence/database tools and applications.

Benefits

• Paid time off
• Volunteer time off