Credit Analyst I

Creve Coeur, MO

Full time

REQ - 5462

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!

Job Title:

Credit Analyst I

Job Description:

Essential Duties and Responsibilities:

• Investigates all available sources of credit and financial information.

• Prepares summaries, presents facts, and occasionally offers opinions concerning credit-worthiness.

• Provides credit information and references for customers, loan officers, or other agencies as requested.

• Maintains control over current accounts, watches for any developing problems, and keeps loan officers informed.

• Assesses the risk of loan applicants by gathering and analyzing their financial data.

• Identifies a person's creditworthiness, a company's creditworthiness, or an institution's creditworthiness.

• Approves or denies loans in collaboration with other financial experts.

• Assesses whether a line of credit should be extended, increased, or closed and makes recommendations accordingly.

• Analyzes risk based on regional, sector-specific, and environmental information.

• Reports credit information and prepares them.

• Conducts quality assurance reviews.

• Analyzes market trends.

• Ensures collateral compliance covenants are adhered to.

• Maintains compliance with federal, state, and local financial regulations.

• Verifies information and uncovers fraud by analyzing data.

• Enhances credit rating criteria by updating them.

• Prepares financial documents related to credit risk.

• Informs colleagues and applicants of credit decisions and policies.

• Prepares documents or oversees 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 [email protected] .

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 click HERE (https://wvw.enterprisebank.com/workplace\_posters\_2025) .

Enterprise Bank & Trust was founded on the idea of serving the lifetime financial needs of privately-held businesses, their owner families and other success-minded individuals. That concept has remained as our unwavering and guiding vision. We understand that every business is unique, so we tailor our comprehensive array of banking, trust and financial advisory services to fit the needs of our clients, no matter the size. Although we are equipped with the insights and capabilities of the largest financial companies, we provide our clients with the personal relationship afforded at a small community bank.

Headquartered in Clayton, MO, Enterprise Bank & Trust operates branch offices in Arizona, Kansas, Missouri, California, New Mexico and Nevada. Enterprise offers a range of business and personal banking services, and wealth management services including financial planning, estate planning, investment management and trust services to businesses, individuals, institutions, retirement plans, and non-profit organizations. Our parent company, Enterprise Financial Services Corp is publicly traded (Nasdaq: EFSC.)