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Enterprise Bank & Trust

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Credit Analyst I - St. Louis
Job#: 179382
Positions: 1
Posted: 07/10/2013
Job Type: Full Time
Location: US-MO-St. Louis (Support Center)
Department: Credit Administration
Benefits: Full Benefits
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Job Description

The Credit Analyst I is responsible for underwriting and evaluating commercial credit requests from new and existing customers with total exposure greater than $1 million.  Underwriting will include financial and credit risk analyses with a concentration on global cash flow, collateral evaluation, market data interpretation, and identification of key risks and mitigants.  Other responsibilities include, completing financial statement spreads, testing and monitoring borrower compliance with financial covenants and borrowing bases, and ongoing monitoring of the loan portfolio. 

Skills/Requirements
  • Spread and analyze corporate and individual financial statements and tax returns.
  • Underwrite new and renewal commercial loans and non-loan credit exposure resulting in relevant and sound credit recommendations. 
  • Ongoing analyses of customers’ financial performance and completion of annual credit relationship reviews.
  • Monitor and maintain covenant, borrowing base and financial reporting requirements and generate exception and compliance reports.
  • Ensure compliance with Loan Policy, Lending Guidelines and banking laws and regulations.
  • Respond to inquiries from business unit associates and assist with managing the centralized credit email inbox.
  • Assist with special projects and management reports.

 COMPENTENCIES

  • Strong mathematical and analytical skills.
  • Knowledge of generally accepted accounting principles and ability to read a financial statement.
  • Excellent written and verbal communication skills with the ability to communicate well with internal and external customers.
  • Ability to prioritize and multi-task in a fast paced environment.
  • Strong organizational skills, detail oriented, efficient and ability to maintain a high degree of accuracy.
  • Ability to work as a member of a team to produce needed outcomes and meet deadlines.

 SUPERVISORY RESPONSIBILITY

  • None

 EDUCATION AND EXPERIENCE

  • Bachelor's degree (B. A.) from four-year college or university

 COMPUTER SKILLS

  • Skilled in operation of a personal computer, including Microsoft Word, Excel
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CERTIFICATES, LICENSES AND REGISTRATIONS

  •  None
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