Michael Russell

Experience

• 

  Great Western Bank

  Sept 2003 - Aug 2010

  Various

  I began working in the marketing department. I later moved to operations and worked in item processing. I worked for several years as a teller and also served as vault teller. I did a rotation of banking duties ranging from personal banker to the trust department. My final area at Great Western Bank was with the accounting department in Sioux Falls working with corporate responsibility.

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  Minnesota State University Moorhead

  Aug 2006 - Dec 2010

  Admissions Representative

  I worked as a representative of MSUM to prospective students. I served as a tour guide for incoming students and also hired and trained new tour guides. I sat on student panels during discussion with prospective students and parents to answer questions about college life and campus. I worked as a call center representative reaching out to prospective students to set up opportunities to visit campus. Finally, I led presentations to prospective business and finance students about what to expect and to answer questions. Show less

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  Federal Deposit Insurance Corporation (FDIC)

  Jan 2011 - Jun 2014

  Financial Institution Specialist

  I participated in the assessment of financial institutions to ensure safe and sound banking practices, determined violations of laws and regulations, and assessed the accuracy of internal controls and procedures.I worked to evaluate bank data, records, and practices to determine if financial institutions follow safe and sound banking practices. I summarized supporting evidence to develop written findings that were integrated into a report that is presented to the bank. These exams and reports are critical to maintaining stability and public confidence in the financial system.The training during this role provided access to the front lines of America’s banking and financial services industry. I completed a rigorous program of classroom and on-the-job training, and learned to apply practical bank supervision tools while traveling within a region to interact with bankers. These experiences allowed me to cultivate the skills needed to regulate the evolving financial services industry. Show less

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  Great Western Bank

  Jun 2014 - May 2022

  Review and audit loan files, bond files, borrowers, and portfolios to provide independent assessment to meet the compliance and regulatory criteria. Ensure the consistency of bank wide risk policy, credit review policies, and regulatory requirements. Assist in credit related projects on an as needed basis. Review and audit loan files, bond files, borrowers, and portfolios to provide independent assessment to meet the compliance and regulatory criteria. Ensure the consistency of bank wide risk policy, credit review policies, and regulatory requirements. Assist in credit related projects on an as needed basis.

  • RAR Analyst Team Lead

    Aug 2019 - May 2022

  • Senior Risk Asset Review Analyst

    Jun 2014 - Aug 2019
• 

  First Interstate

  May 2022 - Jun 2023

  Credit Review Officer

  Through the merger of Great Western Bank and First Interstate Bank, my job title changed, but duties remained similar.

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  Reliabank

  Jun 2023 - now

  Credit Risk Manager

  Responsible for managing loan review process, overseeing the CECL and ACL process, ensuring accurate and timely board reporting, supervising Credit Review Officers, monitoring new loans and loan portfolio concentrations, and managing the internal credit evaluation program. Additionally, the role includes developing, updating, and assisting with the implementation of various loan policies, establishing an effective risk rating system/process, actively participating in credit training, and assisting in identifying any deterioration in loan quality. Show less