Rely on report perhaps of Kent financial officer (4,5)

'of kent financial officer' is the definition.
I can't tell whether this definition defines the answer.

'rely on report' is the wordplay.
'rely' becomes 'bank'.
'on' means one lot of letters go next to another (in a down clue, letters appear on others).
'report' becomes 'clerk' (I can't justify this - if you can you should believe this answer much more).
'bank'+'clerk'='BANK CLERK'

'perhaps' is the link.

Can you help me to learn more?