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Commercial Credit Analyst – Brentwood, TN

Reliant Bank is a full-service commercial bank that provides customer service from its website, mobile app, via telephone and from 17 retail locations in Davidson, Hamilton, Hickman, Maury, Robertson, Rutherford, Sumner, and Williamson Counties in Tennessee. Reliant offers a variety of deposit, lending, and mortgage products and services to business and retail customers. The bank’s vision is to be the best financial institution at building and being a part of the communities served, one customer at a time. The company intends to continue building the Reliant brand across its markets and remains committed to building long-term value for its shareholders. We are currently seeking a Commercial Credit Analyst located in Brentwood, TN. This presents an excellent opportunity for a motivated professional to work in a challenging and rewarding environment. This exempt position reports to the Senior Credit Officer.


The Credit Analyst position is responsible for the preparation of the independent cash flow analysis of potential and/or current borrower(s) new or renewal requests for loans and lines of credit with the information which has been made available to them by the Lender or Underwriter. Notations should be included on the analysis for any missing information and explanation why information was not available.  The Credit Analyst will use various types of credit data, including financial statements, tax returns, market and industry data, and evaluate the results for financial performance, trends, cash flow and ability to repay per loan terms.  The position will interact with lenders, underwriter, internal employees, customers or potential customers when requested by supervisor.


  • Works closely with assigned underwriters and lenders to ensure prompt follow-up in gathering complete financial information for spreads and analysis and/or advancing financial ticklers
  • Inputs of financial data collected into various templates, primarily Sageworks and Excel
  • Utilizes spreadsheets and or software to uniformly assist in underwriting credit requests
  • Performs financial analysis, including detailed cash flows, trends, ratios, projections and ability to repay per the loan terms
  • Prepares various reports and loan approval packages
  • Responsible for account servicing and covenant compliance
  • Evaluates proposed requests’ adherence to loan policy and commercial lending guidelines
  • Maintains high customer service levels to internal customers as well as external clients
  • Promotes the Bank’s products and services whenever possible; participates in bank sponsored events and networking opportunities, volunteer opportunities, and endorses the Bank’s brand promise at every opportunity
  • Provides services that aligns with Reliant Bank’s Brand Promise: We are a growing community of friends – one relationship at a time


  • Bachelor’s degree with an emphasis in Finance, Accounting or related field; or equivalent professional experience in Finance or Credit Analysis preferred
  • Minimum two years of credit analysis experience preferred
  • Ability to utilize financing spreading software (i.e. Sageworks, Moody’s RiskAnalyst, Baker Hill) and analyze/interpret results
  • Familiarity with various types of business and personal tax returns and schedules, quality of financial statements, and accounting methods
  • Excellent organization, analytical skills, with attention to detail and ability to prioritize multiple projects simultaneously
  • Demonstrates a commitment to accuracy and quality while meeting goals and deadlines
  • Ability to communicate effectively through writing, speaking and listening
  • Must be comfortable working effectively in a deadline driven environment
  • Ability to be self-motivated and work independently with nominal supervision
  • Strong Microsoft Office, Word and Excel skills
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