Commercial Banking Officer - St. Louis
Enterprise Bank & Trust - Clayton, MO

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Assist in managing a commercial loan portfolio by providing oversight and ensuring sound credit decisions in accordance with the Bank’s established policies and procedures.
  • Manages commercial loan portfolio regarding loan underwriting, including proper structuring of loans based on established lending and operating policies consistent with those established by the Bank’s Board or Directors.
  • Provides support for workout and loan committee meetings as applicable. Identify and report on credit deficiencies when appropriate and provides accurate, factual recommendations to assist with the decision making process.
  • Analyze financial information and proposed credit structure; review documents; identify strengths and weaknesses of a credit with the ability to present finding through oral presentation or in a narrative fashion.
  • Ensure that follow up items are tracked appropriately and are well monitored, and that technical exceptions are cleared on a timely basis.
  • Maintain knowledge of and awareness of financial industry status and trends
  • Assume responsibility for special projects; gather data and prepare reports for members of Senior Management, auditors, and other personnel; and other duties as assigned.
  • 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.
COMPENTENCIES
  • Must have demonstrated skills in commercial credit underwriting while possessing the necessary personal skills that will lead to the ability to develop new business from individual calling efforts.
  • Minimum of 1-2 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.
  • Ability to cross-sell other banking products including deposits and treasury management in the future.
  • Self motivated to work independently and take ownership.
  • Bachelor’s degree in Business with emphasis in Finance or Accounting preferred.
  • Effective time management and organizational skills are required.
  • Must be attentive to detail and accurate when analyzing financial statements.
  • This position requires the use of sound business discretion, good judgment of character, and excellent problem solving skills.
  • Basic knowledge of personal computer hardware and software skills including MS Word and Excel.
  • Knowledge of regulations, compliance standards, market trends and products relating to the banking industry.
  • Good analytical and decision making skills based on a thoughtful assessment of risk.
SUPERVISORY RESPONSIBILITY

None

EDUCATION AND EXPERIENCE
  • Bachelor’s degree (B.S.) from four-year college or university with one to two years related experience and/or training in commercial banking
COMPUTER SKILLS
  • Word
  • Excel
  • Bankway
  • Sales Force
  • Google Mail
CERTIFICATES, LICENSES AND REGISTRATIONS
  • None

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