Credit Analyst I

Credit Analyst I 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! Essential Duties and Responsibilities: Investigate all available sources of credit and financial information. Prepare summaries, present facts, and occasionally offer opinions concerning credit-worthiness. Provide credit information and references for customers, loan officers, or other agencies as requested. Maintain control over current accounts, watch for any developing problems, and keep loan officers informed. Assess the risk of loan applicants by gathering and analyzing their financial data. Identify a person's creditworthiness, a company's creditworthiness, or an institution's creditworthiness. Approve or deny loans in collaboration with other financial experts. Assess whether a line of credit should be extended, increased, or closed and make recommendations accordingly. Analyze risk based on regional, sector-specific, and environmental information. Report credit information and prepare them. Conduct quality assurance reviews. Analyze market trends. Ensure collateral compliance covenants are adhered to. Maintain compliance with federal, state, and local financial regulations. Verify information and uncover fraud by analyzing data. Enhance credit rating criteria by updating them. Prepare financial documents related to credit risk. Inform colleagues and applicants of credit decisions and policies. Prepare documents or oversee their preparation. Qualifications: Performs work under direct supervision. Handles basic issues and problems, and refers more complex issues to higher-level staff. Experience using spreadsheet software. Basic understanding of accounting, statistics, and economic. Previous experience as a credit analyst or loan office. Understanding of commercial credit products, market trends, and loan procedures. Detail-oriented. Ability to analyze and think critically. Skills in quantitative analysis. Ability to manage time and multitask effectively. Ability to communicate effectively. Planning and managing projects. Ability to conduct research on financial topics and present accessible reports to colleagues with differing backgrounds. Capable of making high-stakes decisions and negotiating effectively. Ability to establish and maintain client and business relationships, as well as strong interpersonal skills. Acumen for business. Discretion and dedication to protecting clients, business partners, and employers' private information. Education and/or Experience: 0-1 years prior credit analysis experience. Bachelor's Degree. Business, finance, accounting major preferred, other majors with a business minor also acceptable; or equivalent experience. Computer and Software Skills: Microsoft office suite. Other required programs, software, etc. 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 at hr@. 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 age, race, color, religion, sex, national origin, sexual orientation, gender identity or protected veteran status and will not be discriminated against on the basis of disability. All employment offers are contingent upon the applicant successfully completing both drug and background check screenings.

Created: 2026-03-06