Credit Risk Developer Jobs in Saint Peters, MO (NOW HIRING)

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!

Summary:

Develop and manage new commercial loan accounts and client relationships while enhancing existing customer relationships. To achieve this, it is expected that the role be proactive in providing financial solutions to both existing and prospective clients. Also responsible for increasing the bank’s deposit base through various products, developing sound and profitable business relationships, credit assessment and exceeding customer needs and expectations while complying with regulatory requirements.

Essential Duties and Responsibilities:

• Frequently represents the bank in the business community; actively develops relationships with business owners, C-level execs, COIs, etc. and builds a network of prospective bank customers to drive deal flow.
• Builds and maintains a list of at least 15 targeted prospect profiles; strategizes and executes a call plan to meet individual and team sales objectives for the bank’s various business lines.
• Manages and services commercial relationships by interviewing applicants and obtaining pertinent financial data.
• Evaluates pertinent financial information and determines whether a credit is an acceptable risk.
• Approves loans within assigned lending authority, and company policies and procedures.
• Recommends credits outside lending authority to the next level or presents to Loan Committee in accordance with established procedures.
• Ongoing monitoring of existing loans for conformity to terms and conditions.
• Actively participates with and assists senior lending officers on larger, more complex credits.
• Monitors market conditions, observing competitor impact and makes recommendations to maintain competitive and profitable product line.
• Develop and maintain comprehensive knowledge of all commercial products including loans, cash management, trade service products and deposits to facilitate cross-selling and enhance the client experience.
• Analyze financial statements and related information.
   

Qualifications:

• Must have demonstrated skills in commercial credit underwriting, business development and portfolio management for mid-sized developers and investors.
• Minimum of 5-7 years of Commercial Lending experience preferred. 
• Must have excellent communication, presentation and tactful interpersonal skills.
• Superb people skills to work within a team environment and successfully develop and retain client relationships.
• Proven ability to cross-sell other banking products, including loans, deposits and treasury management.
• Self-motivated to work independently and take ownership.
• Effective time management and organizational skills are required.
• Must be attentive to detail and accurate when analyzing financial statements and presenting a credit package for formal approval.
• This position requires the use of sound business discretion, good judgment, and excellent problem solving skills.
• Basic knowledge of personal computer hardware and software skills including MS Word and Excel.
• Strong working knowledge of regulations, compliance standards, market trends and products relating to the banking industry.
• Superior analytical and decision making skills based on a thoughtful assessment of risk.
   

Supervisory Responsibilities:

• None
   

Education and/or Experience:

• Bachelor’s degree in Finance or Business.
• Minimum five to seven years related experience and training in commercial banking.
   

Computer and Software Skills:

• Word
• Excel
• Bankway
• Salesforce
• Google Mail
• LinkedIn
   

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 click HERE.