Commercial Credit Specialist (Credit Analyst)

Description :

Find the workplace you've been looking for...join our Reliance Bank team!

We're currently seeking an experienced Commercial Credit Specialist (Credit Analyst) to join our team. This is a full-time, on-site position and may be based at either our Corporate Office in Altoona, PA, or our North Atherton Office in State College, PA. Office location is flexible and will be based on selected candidate's preferences.

Job Requirements :

Education / Training : Bachelor's Degree in a business-related field of study is required; specialized financial analysis training preferred.

Experience : A minimum of five (5) year's experience working in a commercial credit analysis position is normally required.

As a Commercial Credit Specialist, you'll get to :

• Work in a diverse role that encompasses the areas of credit support, underwriting, sales support and loan portfolio management.
• Maintain a thorough working knowledge and understanding of all commercial credit policies and procedures.
• Underwrite all commercial credit requests with independent analysis to identify risk and recommend appropriate mitigation. Ensure request packages are complete, accurate, transparent and well-documented.
• Support our commercial lenders in developing, maintaining, and executing plans to meet loan and deposit growth and other revenue targets for the year.
• Help prepare for prospect calls through research and other related activities.
• Uncover opportunities to consult with prospects and customers through the review of personal financial and other financial statements and internal bank reports.
• Ensure that our commercial banking relationships are fully developed and include all support services available to our commercial customers.
• Collaborate with Commercial Lenders and Commercial Support Specialists regarding current and new loans, addressing any areas of need.
• Plan and lead regular meetings with assigned lender(s) and Commercial Support Specialist(s). Discuss prioritization strategy around new loan requests, line of credit renewals, annual risk rating assessments, and past dues. Utilize the meetings to uncover opportunities to consultatively meet client credit, deposit, and cash management needs.

A complete job description is included further down on this page. To view the complete job description, please scroll down.

Other requirements :

Working Conditions and Physical Demands : Work is normally performed in a typical interior / office environment. This position requires the ability to remain in a stationary position for the majority of the day, with occasional need to move about the immediate workspace or to other areas of the department / building to accomplish tasks. Constant use of repeated motions involving the hands, wrists and fingers is required, as well as an ability to observe details at close range throughout the day. Occasional need to move or adjust items of up to 10 pounds in weight .

Benefits for the Commercial Credit Specialist Role :

We offer a welcoming workplace emphasizing our Core Values of Integrity, Team , Relationships , Community and Growth.

Additionally, Reliance Bank is proud to offer a comprehensive benefits package which includes :

Reliance Bank is an Equal Opportunity / Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

Full Job Description :

General Responsibilities

The Commercial Credit Specialist supports commercial lenders in shepherding loan requests through the approval process; has primary responsibility for drafting loan proposals for presentation to the approving authority; assists lenders in developing new commercial banking relationships and managing and expanding existing ones; assists with research and preparation for prospect calls; prepares annual risk rating assessments where required; maintain knowledge of and adherence to Bank lending policies and procedures.

Essential Duties

Credit Support and Underwriting :

Support Lender Sales and Calling Plan Execution :

Portfolio Management :

Other duties :

Ancillary Duties

Requirements :

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