VP, Credit Risk Analytics
Company: Enterprise Bank and Trust
Location: Chesterfield
Posted on: December 2, 2025
|
|
|
Job Description:
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: VP, Credit Risk
Analytics Job Description: Summary Manages Allowance for Credit
Losses (ACL) methodology under the Current Expected Credit Loss
(CECL) guidance, stress testing and credit portfolio reporting for
the Bank. Compiles and analyzes portfolio loan data and builds risk
models to reduce operating losses and maintain protection of
assets. Monitors quality of loan portfolio data and provides data
to Bank Management to make informed decisions. Essential Duties &
Responsibilities Maintains and manages the CECL allowance model and
all methodologies and policies. Ensures compliance with the control
framework developed for CECL. Executes ACL calculation quarterly,
including model design, methodology selection, reviewing data
accuracy, calculations, documentation, and reporting used to
support the ACL. Validates model results, interprets results, and
communicates to internal audit, model risk management, external
auditors, model validators and regulatory examiners. Pursues data
quality practice improvements that align with data sponsor
priorities, collaborates with various departments to identify data
quality practices that ensures data are fit-for-use. Provides
analytical research assistance for collected data end-users,
including monitoring and reporting on accounting pronouncements or
policy changes that impact reported data. Manages stress testing
and sensitivity analysis of the Banks’ loan portfolio. Maintains
documentation of stress testing processes, procedures, and
workflows. Serves on the Allowance for Credit Losses Committee and
assembles quarterly allowance presentations for the ACL Committee
and Audit and Risk Committee of the Board. Applies what-if
scenarios to the portfolio such as varying growth rates, pay-off or
reductions, segment concentrations, interest rate shocks, changes
in credit quality, or systemic interruption of specific loan
markets. Assists with bank-wide capital stress testing by working
with Chief Credit Officer, Director of Credit Administration, Chief
Accounting Officer, and ACL Committee to establish targeted areas,
objectives, and completion dates of stress tests. Verifies and
balances internal loan information with third party vendors (i.e.
nCino Portfolio Analytics and Sageworks) Analyzes the loan
portfolio and its various components and oversees monthly credit
portfolio reporting to provide information to Executive Management
regarding the status of the portfolio and emerging trends.
Develops, maintains, and coordinates flow of documentation and
credit reporting for the Banks’ Risk and Audit committees of the
Board of Directors. Performs ad hoc reporting for Loan Review,
senior management, and other business units as needed. Leads or
supports special projects as necessary to support overall Bank
objectives. Participates in data onboarding for acquired entities
as it relates to allowance needs and identification of PCD assets.
Performs other duties as required. Qualifications Ability to
collect data, establish facts, and draw valid conclusions. Strong
oral and written communication skills. Must be able to concisely
and clearly express opinions, observations, and recommendations in
a confident manner. Ability to prioritize, handle multiple tasks,
and work independently and in multiple teams. Able to communicate
and work well with others to accomplish goals. Analytical
experience with statistical and mathematical concepts and the use
of applicable software. Solid organizational skills and must be
detail-oriented. Expert knowledge in CECL guidance and methodology.
Strong understanding of US GAAP. Supervisory Responsibilities
Credit Risk Management Specialists Education and/or Experience
Bachelor’s degree in business administration, accounting, or
finance Minimum 7 years of experience in financial modeling
including credit risk analysis, credit analysis, and data
analytics. 3 years experience with CECL methodology. Computer and
Software Skills Skilled in operation of a personal computer,
including Microsoft Office applications, especially
intermediate/advanced data analysis using Excel. Proficiency with
pivot tables, macros, VBA and/or PowerPivot preferred. Analytical
experience with statistical and mathematical concepts and the use
of applicable software (i.e. PowerBI) Knowledge of bank systems
desirable (FIS – Bankway/IBS, Salesforce/nCino) Knowledge of
database software a plus (i.e. SQL) Certifications, 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 .
Keywords: Enterprise Bank and Trust, Chesterfield , VP, Credit Risk Analytics, Accounting, Auditing , Chesterfield, Missouri
