The RMDP position is a training and development role. The candidate is hired into the program with the expectation they are developing into a Relationship Manager within 18-24 months. See Supplemental Information A for the expectations of an RM. However, the candidate starts the program in the role of Credit Analyst (CA). While functioning as a CA, the RMDP is responsible for analyzing credit information on current and potential borrowers. The CA determines the advisability of granting credit for diversified types of loans; assists loan officers in writing loan requests; promotes business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services. The CA assures compliance with all Bank policies and procedures, as well as, all applicable state and federal banking regulations.

• Successfully completes all aspects of the RMDP Development program.
• Assists RMs in performing pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends.
• Prepares spreadsheets and analyzes financial information including financial statements and tax returns.
• Compiles data from credit bureaus, conducts industry peer comparisons, and performs cash flow analyses and other such tasks and comparisons.
• Underwrite loan requests for RM review; makes recommendation on loan structures and terms to loan officers.
• Assist RMs in the review and renewal of credit facilities, and annual loan reviews of term loan customers to determine that current risk grades are still accurate.
• Provide direct assistance to Regional Presidents and Relationship Managers (lenders) and accompanying on customer calls, as needed.

Experience and Skills:

Medical (PPO & HMO), dental, vision, FSA, HSA, 11 paid holidays per year, sick and vacation time.
From: Mission Bank