Careers

Reliance Bank is a fast-growing Community Bank located just south of the metro on the Interstate 35 corridor.  We are adding a new full-time postion to our staff.

Position: Senior Credit Analyst

General Definition of Position

  • Monitor and Mitigate risk in the loan portfolio
  • Ensure loans are structured, underwritten, documented & closed per the Bank's policies
  • Incorporate Regulatory requirements and Bank's strategic plan into loan policy

Essential Duties and/or Responsibilities:

  • Monitor loan portfolio for accurate risk rating, deteriorating repayment capacity, and portfolio concentration
  • Review and analyze financial statements of new and existing credits
  • Prepare detailed analysis, present facts, and address questions concerning credit worthiness of a relationship for presentation to credit committee for approval
  • Ensure consistent quality and structure of all loan presentations as per our loan policy to credit committee
  • Oversee preparation and review of quarterly watch list reports
  • Manage OREO and sell/dispose of properties
  • Work with credit analyst, loan support specialists and commercial lenders to ensure that all client documentation and customer agreements, credit and non-credit alike, are accurate, properly executed, and all funds are withheld until all documents are properly executed
  • Collect and compile data; assist in the preparation of internal loan stress tests
  • Supervise and assist other credit analysts

Required Knowledge, Skills and Abilities:

  • Credit and Finance Knowledge
  • Excellent verbal, written and interpersonal communication skills
  • Commitment to exception free loan portfolio
  • Able to perform at a high level in a fast-paced, demanding environment
  • Self-motivated and persistent in follow through
  • Detail oriented and analytical
  • Flexible to change in a growing organization
  • Previous experience with Sageworks, Finpack or other credit analytics software a positive

Needed Experience:

  • 5 to 10 years experience in Commercial Credit Analysis
  • In depth knowledge of commercial lending laws and regulations

Reliance Bank is an equal oppurtunity employer

Please send resumes to:

  • This email address is being protected from spambots. You need JavaScript enabled to view it.

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Questions? Talk to a bank representative at (507) 331-2493