Credit Analyst III

Enterprise Bank & Trust

. Handle complex and/or challenging assignments, such as large deals or complex requests with larger relationship exposure, with little oversight .

Posted 10/1/2026full-timeUnited StatesMid-LevelSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in credit analysis, underwriting, and financial research, with a strong ability to prepare and present comprehensive reports. Proven leadership skills in mentoring junior analysts and managing complex credit assignments effectively.

Highest-signal resume keywords

Credit AnalysisUnderwritingFinancial ResearchCommercial Loan StructureC&I and CRE Lending

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit Risk AnalysisCash Flow AnalysisProject EconomicsGuarantor AnalysisMarket AnalysisFinancial Statement PreparationCovenant Compliance VerificationAccounts Receivable AnalysisAccounts Payable AnalysisLoan Approval Preparation

Soft Skills

LeadershipCommunication SkillsDetail-OrientedTime ManagementInterpersonal Skills

Tools & Technologies

Loan Origination SoftwareMS Office ApplicationsBusiness Intelligence ToolsSpreadsheet Software

Industry Keywords

C&I LendingCRE LendingCommercial Credit ProductsMarket TrendsLoan Procedures

About the role

Key responsibilities & impact

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

Requirements

What you’ll need

4–6 years prior credit analysis or equivalent experience/capabilities
Previous experience as a credit analyst or loan officer
Bachelor's Degree; Business, finance, accounting major preferred, other majors with a business minor also acceptable
Strong comprehensive knowledge of C&I and/or CRE, including credit and risk analysis, credit rules, regulations, cash flow analysis, project economics and valuation, guarantor analysis, and market analysis
Thorough knowledge of underwriting, credit analysis, and commercial loan structure
Proficient in CRE and/or C&I lending, including debt service coverage, cash flow, construction budget, sources and uses, and identification of strengths/weaknesses and mitigating factors
Moderate to advanced understanding of accounting, statistics, and economics
Strong understanding of commercial credit products, market trends, and loan procedures
Strong analytical, quantitative, verbal, and written communication skills, including advanced business writing capabilities
Ability to lead and work cohesively in a team
Highly detail-oriented
Advanced ability to manage time and multitask effectively
Advanced skill planning and managing projects
Ability to conduct financial research and present accessible reports to colleagues with differing backgrounds
Ability to make high-stakes decisions and negotiate effectively
Ability to establish and maintain client and business relationships
Strong interpersonal skills and advanced business acumen
Discretion and dedication to protecting sensitive information
Strong computer skills, including loan origination software and MS Office applications, specifically MS Word and Excel
Advanced understanding of business intelligence/database tools and applications
Advanced experience using spreadsheet software
No certificates, licenses, or registrations required

Benefits

Comp & perks

Annual paid volunteer time off
Charitable-matching opportunities
Array of benefits
Professional growth opportunities
Drug and background check screenings contingent upon employment offers