Job Description

Job Description

Job Description

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 North Atherton Office in State College, PA, or our Corporate Office in Altoona, 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:

• Passion for problem-solving and working with people
• Ability to work effectively in a fast-paced, highly collaborative work environment.
• Moderate PC skills including familiarity with Microsoft Word and Excel
• Ability to communicate ideas clearly, accurately and professionally so that others may understand
• Proficient ability to review, analyze and interpret financial statements
• Valid Driver's License

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:

• Annual Bonus Program
• 11 Paid Holidays
• Annual Paid Time Off (PTO) Allotment
• Gym Membership Reimbursement
• Employee Wellness Program
• Mileage Reimbursement
• Medical, Dental, and Vision Coverage
• Matched 401(k) Retirement Savings Program
• Flexible Spending Plans/Health Savings Account
• Life Insurance
• Short and Long-Term Disability
• Career development and learning opportunities

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.

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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:

1. Partner with assigned lender(s) to provide a high-quality customer experience during the credit delivery process through underwriting and processing of new loan requests, modifications, and renewals of existing term loans and lines of credit.
2. Facilitate pre-screen evaluations and early conceptual conversations with DCB and DOC on incoming requests to maximize responsiveness, process efficiency and deal with rates.
3. Maintains a thorough working knowledge and understanding of commercial credit policies and procedures.
4. Responsible for underwriting all credit requests with independent analysis to identify risk and recommend appropriate mitigation. Ensure request packages are complete, accurate, transparent, and well-documented.
5. Builds and maintains trusting relationships with lenders and credit personnel, especially with approval authorities.
6. Encourages productive discussions of credit opportunities that fall within the Bank's credit risk appetite (and diplomatically discourage opportunities that do not).
7. Ensure compliance with all applicable banking laws and regulations, paying particular attention to those concerning commercial lending.

Support Lender Sales and Calling Plan Execution:

1. Supports assigned lender(s) in developing, maintaining, and executing a realistic plan to meet loan & deposits growth and other revenue targets for the year.
2. Uncovers opportunities to consult with prospects and customers through the review of personal financial and other financial statements and internal Bank reports.
3. Assists assigned lender(s) with pre-call preparations, including prospect identification, industry research, and competitor analysis.
4. Ensures commercial banking relationships are fully developed, including deposit and cash management products.

Portfolio Management:

1. Plans and leads regular meetings with assigned lender(s) and Business 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.
2. Works closely with assigned lender(s) to ensure proactive renewal of maturing loans and lines of credit coming up for renewal.
3. Working with the Business Support Specialist(s), execute on timely collection of current and adequate financial information, consistent with loan agreement requirements, and maintains accountability and integrity for data accuracy in ClearTouch.
4. Takes the lead role within the team for clearly communicating tasks and holding each person accountable for assigned tasks.

Other duties:

1. Serves as a member of the bank's Loan Review Committee.
2. Achieves goals assigned to the Commercial Credit Specialist as part of the assigned department's annual operating plan.
3. Coordinates specific work tasks with other team members within the department as well as with other departments in order to insure the smooth and efficient flow of information.
4. Complies with established operating policies and procedures in order to maintain adequate controls and to support the Bank's adherence to outside regulatory requirements.
5. Communicates with management and team in order to integrate goals and activities.
6. Responds to inquiries relating to his/her particular area, or to requests from other bank personnel, customers, etc. within given time frames and within established policy.
7. Maintains appropriate records and provides assigned reports.
8. Abides by the current laws and organizational policies and procedures designed and implemented to promote an environment which is free of sexual harassment and other forms of illegal discriminatory behavior in the workplace.
9. Cooperates with, participates in, and supports adherence to all internal policies, procedures, and practices in support of risk management and overall safety and soundness and the Bank's compliance with all regulatory requirements, e.g. Community Reinvestment Act (CRA), Equal Credit Opportunity Act, etc.; insures that the department and all personnel adhere to the same.
10. Properly handles confidential information for all internal and external customers.
11. Adheres and upholds all of the Bank's policies and procedures in regard to physical and information security.

Ancillary Duties

1. Performs tasks which are supportive in nature to the essential functions of the job, but which may be altered or re-designed depending upon individual circumstances.
2. Takes the opportunity to promote Reliance Bank and its services when possible.

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