Senior Credit Analyst

Posted September 5, 2019

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 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 & 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

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


Reliance Bank is an equal opportunity employer.

Please forward your resume to

7900 International Drive, Suite 685,

Bloomington, MN 55425

Phone: 651.687.9080

Fax: 651.687.9387

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