VP Senior Underwriter

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, were 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, theres no stopping you!Job Title:VP, Senior Credit AnalystJob 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 creditsClearly communicate with internal and external customers Work with others to produce needed outcomes and meet deadlinesComplete follow-up analysis on financial statements and borrowing base historyMaintain up to date knowledge of financial industry, economy, market conditions, and competitionEnsure credit related follow-up items (primarily financial statements, Borrowing Base Certificates and Covenant compliance certificates) are reflected on the follow-up systemsProvide support to lending officers in structuring and analyzing potential transactionsPartner 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 serviceBe an active participant in weekly loan committee meetings as a representative of the Credit DepartmentAssist the Credit Manager in providing coaching and mentoring to junior credit associatesAt times, accompany Relationship Managers on customer calls and participate in client meetingsQualifications:Ability to underwrite a transaction in a clear and concise mannerAbility to analyze financial statements in terms of cash flow, debt service, projection analysis and trend analysisHighly developed analytical skillsExcellent written and verbal communication skillsMust possess strong decision-making skillsDetail oriented with the ability to analyze cash flow, leverage and other financial metricsAbility to think critically, solve problems, make decisions, and build trust across the organizationAbility to manage multiple complex tasks simultaneously and prioritize appropriatelyPresent professional imageDemonstrated ability to maintain a high degree of focus on customer serviceSupervisory Responsibilities:NoneEducation and/or Experience:Bachelors degree in finance, business, or a related fieldA minimum of 10 years experience in commercial credit involving complex transactionsExperience in asset based lending required both in underwriting and monitoringComputer and Software Skills:Knowledge of Microsoft Word, Excel and Power PointBankwaySalesforceBaker Hill-Statement AnalyzerBukers Tax AnalysisGmailCertificates, Licenses and Registrations:None

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