Enterprise Bank & Trust

Analyst

• Handle complex and/or challenging assignments, such as large deals or complex requests with larger relationship exposure, with little oversight
• Investigate all available sources of credit and financial information
• Prepare summaries, present facts, and offer opinions concerning creditworthiness
• Provide leadership, coaching, and/or mentoring to a subordinate group
• Work consultatively and attend customer calls with the Relationship Manager, as applicable, to support thorough underwriting
• Prepare and spread business and personal financial statements and cash flows
• Verify covenant compliance
• Prepare loan approvals, annual reviews, and credit analyses for new requests, modifications, and short-term extensions of existing loans
• Analyze accounts receivable and accounts payable aging reports, work in progress reports, and borrowing base certificates
• Accompany Commercial Loan Officers on customer and prospect calls, as relevant to Credit assignments
• Participate in management discussions regarding the creditworthiness of proposed loan requests
• Conduct third-party research, including industry reports, personal credit reports, and real estate analysis with market assessments
• Prepare reports and handle special assignments
• Act as peer mentor and trainer for junior-level Credit Analysts

Credit Analyst III

Compliance

• Complete monthly house account reconciliation
• Run monthly new account reports and compile the New Account Review Memo
• Run monthly closed account reports and compile the closed account review tracking report
• Run monthly account reports and complete compliance reviews for selected accounts
• Compile Trust Compliance Committee reports
• Create New Account, Closed Account, Admin Review, and Investment Review reports
• Maintain Fidelity IWS Scorecard and NIGO report
• Compile monthly Fee Committee reports
• Monitor alerts for NIGOs, Rejects, and Awaiting Client Review
• Maintain account reviews for Admin and Investment modules, including group account reviews
• Run and maintain Admin/Investment Reviews
• Complete the Reg R report and prepare the Reg R memo
• Complete quarterly 13F and RCT reports
• Complete the monthly Wealth Management Snapshot
• Monitor and calculate RMD Pull and new RMD reports
• Monitor RMD payment status and track RMD exceptions
• Calculate RMDs for inherited IRAs
• Send annual ADV notices and collect ADV notices for each Separate Account Manager
• Send notices to clients through Groove
• Serve as backup for New and Closed Accounts and Fee Processing
• Perform other duties as required

Wealth Management Compliance Specialist

Auditor

• Lead and support Information Systems Audit engagements
• Identify business process and IT risks, determine risk severity and business impact, and develop audit tests of controls
• Assess technology control environments for SOX, regulatory, and organizational policy compliance
• Evaluate technology processes and risks and lead control design and operating effectiveness testing
• Prepare audit work papers documenting tests, evidence, and results
• Draft, finalize, and present audit engagement results, findings, recommendations, and associated risks to IT Management and stakeholders
• Update audit programs and questionnaires and recommend enhancements to Internal Audit policies and procedures
• Support Enterprise Risk Management risk assessments and projects
• Maintain professional and technical knowledge through workshops, publications, networks, and professional societies
• Prepare special audit and control reports by analyzing operating information and trends
• Contribute to Internal Audit team efforts and train team members as needed
• Perform other duties and special projects as assigned

Senior IT Auditor

General

• Maintain data integrity of customer and loan information in loan applications and product packages
• Collaborate with Relationship Managers on new loan requests, renewals, modifications, and other customer requests
• Serve as liaison with Compliance, Deposit Operations, Loan Documentation, Loan Servicing, and Post-Closing Review
• Develop relationships with external customers and third-party vendors
• Advise Relationship Managers on deviations from standard credit practices
• Process loan requests through the Bank’s loan origination system
• Complete annual renewals, new loan requests, and monthly reporting independently
• Enter customer and loan information with attention to data integrity
• Obtain pre-closing documentation including flood letters, title work, appraisals, entity documents, corporate searches, and credit bureau reports
• Interact with clients to collect data, documents, and handle customer service requests
• Review closed loan packages for unauthorized changes
• Process post-approval Change Memos
• Complete recordation and collateral perfection when applicable
• Monitor and assist in clearing exception items
• Provide guidance and training to other Loan Coordinators
• Prepare monthly monitoring reports for the Unit and Relationship Manager team
• Assist with daily overdrafts as needed
• Assemble financial information for Credit Department analysis
• Provide backup support during vacations and high-volume periods
• Participate in internal committees and task forces
• Perform other assigned duties

Credit Analyst III

Wealth Management Compliance Specialist

Senior IT Auditor

Senior Loan Coordinator