Credit Analyst III

Enterprise Bank & Trust•Shawnee, KS

About The Position

The Credit Analyst III position is a more highly developed level Credit Analyst who is responsible for detailed research and greater comprehension of complex, commercial-level analysis. It is expected that the associate will work with and assist Commercial Loan Officers with more autonomy than junior-level associates (CAI and CAII).

Requirements

Requires a strong comprehensive knowledge of C&I and/or CRE, including, but not limited to, credit & risk analysis, credit rules, regulations, cash flow analysis, project economics and valuation, guarantor analysis, market analysis, as well as the ability to exercise independent judgment within the framework of established Credit Policy and Underwriting Guidelines
Thorough knowledge of underwriting, credit analysis and commercial loan structure.
Strong analytical skills with ability to identify strengths and mitigate risks
Proficient in CRE and/or C&I lending including debt service coverage, cash flow, construction budget, sources and uses, and identification of strengths/weaknesses and mitigating factors.
Moderate to advanced understanding of accounting, statistics, and economics
Strong understanding of commercial credit products, market trends, and loan procedures
Excellent analytical, verbal and written communication skills including advanced business writing capabilities
Ability to lead and work cohesively in a team
Highly detail-oriented
Strong skills in quantitative analysis
Advanced ability to manage time and multitask effectively
Advanced skill planning and managing projects
Ability to conduct research on financial topics and present accessible reports to colleagues with differing backgrounds
Independent ability making high-stakes decisions and negotiating effectively
Ability to establish and maintain client and business relationships, as well as strong interpersonal skills
Advanced acumen for business
Discretion and dedication to protecting sensitive information
4 -6 years prior credit analysis or equivalent experience/capabilities. Previous experience as a credit analyst or loan office,
Bachelor's Degree. Business, finance, accounting major preferred, other majors with a business minor also acceptable
Strong computer skills, inclusive of experience with loan origination software and MS Office applications (specifically MS Word and Excel).
Advanced understanding of various business intelligence/database tools and applications.
Advanced experience using spreadsheet software

Responsibilities

Handle complex and/or challenging assignments (e.g. large deals or complex requests with a larger relationship exposure) with little oversight by their direct manager.
Investigates all available sources of credit and financial information
Prepares summaries, presents facts, and offers opinions concerning credit-worthiness
Provides leadership, coaching, and/or mentoring to a subordinate group
Work in a consultative manner and, as applicable, attending customer calls with the Relationship Manager to aid in the thoroughness of pertinent underwriting.
Prepare and spread business financial statements and cash flows, in addition to personal financial statements and cash flow for personal guarantors. Verify covenant compliance
Prepare loan approvals, annual reviews and credit analysis for new requests, in addition to modifications and short term extension of existing loans
Conduct analysis on accounts receivable and accounts payable aging reports, work in progress reports, and borrowing base certificates
Ability to accompany Commercial Loan Officers on customer and prospect calls, as relevant to Credit assignments
Participate in discussions with management regarding creditworthiness of proposed loan requests
Conduct third party research, inclusive of industry reports, personal credit reports, real estate analysis with market assessments, etc.
Prepares reports and handles special assignments as warranted
Act as peer mentor and trainer for junior-level Credit Analysts