About this opportunity
Enterprise Bank & Trust lists this VP, Credit Analysis opportunity in mesa, Arizona. Review the employer’s description below for duties, qualifications and application requirements.
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!
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
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.
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Worksite address
mesa, AZ, 85123, US
Who can apply
Review the original listing for work authorization, qualifications and employer requirements.