Avp, Business Banking Credit Manager

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 Missouri, Kansas , Arizona, California, New Mexico and Nevada, 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.
AVP, Business Banking Credit Manager
Job Description
Summary
The AVP, Business Banking Credit Manager is responsible for assisting the VP, Business Banking Credit Manager in hiring, managing, and training Credit Analyst I associates. There may be additional responsibility in assisting the VP, Business Banking Credit Manager in the onboarding and training of other personnel, including CAP associates and interns in Credit-related subjects, policies and procedures. Establishes goals related to loan production and loss reduction at the departmental and individual levels. Ensures associates are providing quality output by incorporating and adhering to standards set forth by Credit Administration to help recognize and minimize risk to the Bank. Will work in concert with VP, Business Banking Credit Manager on development opportunities for individual associates within immediate team.
Essential Duties and Responsibilities:

• AVP, Business Banking Credit Managers are responsible for recruiting, managing, and training Credit Analyst associates, and assist VP, Business Banking Credit Manager with CAP associates during their rotation with Credit and any seasonal or summer Credit interns.
• Underwrites, evaluates, and monitors all Business Banking loan transactions, including SBA loans.
• Ensure that all tangible and intangible assets, real estate, accounts receivable, inventory, fixed assets and any other tangible or intangible asset, are reviewed, and that periodic vendor reviews are conducted.
• Evaluate cash flow, collateral, market data, and identify key risks and mitigations in order to underwrite and analyze credit risk.
• Present results and a credit recommendation that should provide a credit risk level that is acceptable.
• Assign responsibilities for the Business Banking (Commercial-level in some instances) workflow log, spread/covenant log, and Vendor Review log with the help of the Credit Analyst and Senior Business Banking Credit Analyst.
• Ensure that all work is completed accurately and on time, train associates on NextGen spreading system, nCino Short Form underwriting, and Small Loan Decisioning/AutoDecision.
• Create and implement a Business Banking Onboarding Segment.
• Conducts the underwriting, evaluation and monitoring of commercial loan transactions, prepares financial statement spreads, tests the borrower's compliance with financial covenants and borrowing bases, and monitors the loan portfolio periodically on loans that are more complex or large, where the analyses may be difficult or the credit risk may be greater.
• Management of the Business Banking Segment workflow log and the timely turnaround of all Business Banking Segment requests.
• Manage, train and mentor a team of Credit Analysts which includes coaching and performance management and ensuring quality control of the input for all aspects of the Business Banking and Commercial underwriting process.
• Ensure the Credit Analysts work together seamlessly and are capable of effectively communicating with Relationship Managers and Loan Coordinators to achieve defined business objectives.
• Underwrite new and renewal commercial loans and non-loan credit exposure, resulting in relevant and sound credit recommendations.
• Responsible for the completion of SBA loans with underwriting requirements in addition to the normal Business Banking underwriting.
• Aid in the ongoing development and implementation of process improvements in the Business Banking area of Centralized Credit.
• Spread and analyze corporate and individual financial statements and tax returns.
• Ongoing analysis of customers' financial performance and completion of annual credit relationship reviews.
• Monitor and maintain covenant, borrowing base and financial reporting requirements. Communicate results to appropriate associates and obtain approvals as needed.
• Ensure compliance with Loan Policy, Lending Guidelines and banking laws and regulations.
• Respond to inquiries from business unit associates regarding workflow and structuring of new requests.
• Assist with management reports and special projects as needed.

Qualifications:

• Ability to analyze financial statements in terms of cash flow, debt service, projection and trend analysis.
• Knowledge of generally accepted accounting principles and ability to read a financial statement.
• Must possess strong written and verbal communication and presentation skills. Must possess the ability to communicate in a clear and concise manner to 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.
• Strong leadership skills and ability to work as a member of a team and guide Credit Analysts to produce needed outcomes and meet deadlines.
• Ability to exercise sound judgment, logical reasoning and exhibit a strong drive for results and success
• Must be able to work independently, manage multiple assignments simultaneously and meet tight deadlines.

Supervisory Responsibilities:

• Credit Analyst Team as Assigned

Education and/or Experience:

• Bachelors degree in finance, business or a related field
• Minimum 5 years experience in commercial credit involving complex transactions, previous management experience preferred

Computer and Software Skills:

• Skilled in operation of a personal computer, including Microsoft Office
• Bankway
• Salesforce
• nCino
• Baker Hill - NextGen
• Buker's Tax Analysis
• Gmail
• FICO SBSS
• Paynet

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@enterprisebank.com.
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. If you would like more information about your EEO rights as an applicant under the law, please download the Equal Employment Opportunity is the Law poster HERE.