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!

Job Title:

Job Description:

Together, there’s no stopping you.

The Career Accelerator Program II (CAP II) at Enterprise Bank & Trust is a fast-paced, comprehensive training program for selected high-potential individuals with some previous experience in banking, business development, sales, or related industries. The goal is to accelerate your career by preparing you for a role as a Relationship Manager or Commercial Banking Officer by the end of your first year on the job.

For approximately 9-12 months, you will be immersed in the daily operations of banking, with intentional focus on Commercial Credit Underwriting and Commercial Lending. This rotational experience equips you with:

• A strong and versatile skill set through in-depth functional, professional and leadership learning;

• Advanced industry and organizational perspectives through discussions with our executive team;

• A robust network of champions to support your career growth, including our executive leadership, department leaders, mentors, and alumni;

• Proven experience through hands-on rotational assignments, supported by personalized feedback and coaching.

Rotations include:

• Personalized coaching and mentorship: You will be matched with various high-performing leaders to gain experience in credit underwriting and lending processes. These leaders will be serving as coaches and mentors who will provide constant feedback, guidance, resources, and coaching to aid in the participant’s ongoing development.

• Credit: Your time in credit will give you a solid foundation in financial analysis and underwriting, providing the perspective and skills needed to guide your future clients towards credit solutions customized to their unique needs. Your rotation will include evaluating and underwriting commercial credit requests, including completing a financial and credit risk analysis (including cash flow, collateral evaluation, market/industry data interpretation, and identification of key risks) and providing credit recommendations, leveraging Salesforce and nCino.

• Loan Coordination, Documentation, & Servicing: Your time with the Loans team will build on your credit analysis skills, following the loan loan lifecycle. You will work alongside relationship managers to support new loan requests, renewals, and modifications, obtain pre-closing documentation, and guide loans through funding, disbursement and servicing, leveraging Salesforce and nCino.

• Commercial & Industrial (C&I) lending, Commercial Real Estate (CRE) lending, and Specialty lending: Your final rotations will prepare you to confidently consult with clients to understand their needs, and equip them to grow their business through value-added credit and banking services. You will engage with the specialized lending teams such as private equity financing (Sponsor Finance Group), aircraft lending, agricultural lending, life insurance premium financing, tax credit financing, and Small Business Administration (SBA) lending. You will partner with leaders in the industry to actively participate in team meetings, sales meetings, marketing calls, client calls, and loan committee presentations. You will partner with leaders to utilize Salesforce to collaboratively manage Enterprise leads and opportunities, track activity to engage clients, and use dashboards to identify and maximize your - and your clients’ - success.

Essential Duties and Responsibilities:

• Learn to independently underwrite new and renewal commercial loan requests resulting in complete credit memorandums that would include sound credit recommendations and identification of key risks.

• Ensure compliance with Loan Policy, Lending Guidelines and banking laws and regulations.

• Actively participate in day-to-day activities of various lending teams by attending their meetings, client calls, site visits, etc.

• Assist lending teams with preparing prescreen credit memorandums and working on various other tasks and projects to support the lending teams’ management of loan portfolios and development of new business.

• Attend loan committee meetings to become more familiar with the loan approval process.

• Successfully complete various internal and external training activities as part of the training program.

Qualifications:

• Excellent verbal and written communication skills

• Ability to present information in a clear and concise manner with both internal and external clients

• Ability to interact effectively with potential and existing clients to build, develop, and expand relationships

• Strong mathematical and analytical skills, including knowledge of generally accepted accounting principles and the ability to read a financial statement

• Proficient in the use of technology including loan origination and core banking systems

• General knowledge of banking regulations, compliance standards, market trends and products relating to the banking industry

• Ability to organize, prioritize, and complete multiple tasks in a fast-paced, high-volume, customer-centric environment

• Ability to work efficiently, with great attention to detail and a high degree of accuracy

• Ability to work both independently as self-starter and in a collaborative team environment to meet deadlines and produce desired outcomes

Supervisory Responsibilities:

• None

Education and/or Experience:

• Bachelor's degree (BA or BS) from a four-year college or university in business administration or equivalent. Emphasis in finance, accounting, economics, or entrepreneurship is preferred.

• Three to five years experience in sales, credit analysis, financial services and/or business development

Computer and Software Skills:

• Salesforce

• Microsoft Office (Word, Excel)

• Google (Docs, Spreadsheets)

Certificates, Licenses and Registrations:

• None

Relocation: The ideal candidate will have a willingness and desire to relocate to St. Louis for the first year of training, and potentially may stay in St. Louis or relocate to Kansas City, New Mexico, Arizona, or California for final placement.

ADDITIONAL INFORMATION:

• While in training, ability to travel to other Enterprise market locations (St. Louis, Kansas City, Las Vegas, New Mexico, Arizona, California)

• Once in position, ability to travel within the assigned market

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.