Job Description

CREDIT ANALYST III

Job Overview : Our Credit Administration team plays a critical role in the safety and soundness of Fidelity’s commercial loan portfolio. Ensuring accuracy, providing guidance, and doing in-depth analyses are just part of the job. Credit Analyst III is confident in their knowledge of credit analysis and has experience in a broad range of commercial clients including: commercial and industrial (C&I), investment commercial real estate, and small business. They are able to work on complex commercial credits and accurately identify strengths and weaknesses within the request. They have a high attention to detail and are self-motivated to produce a high-quality product in a timely manner. Credit Analyst III serves as a go-to resource for all commercial credit topics and helps mentor and train new analysts. While knowledge of commercial lending and credit analysis are valuable, so too is a heart for service. Do you have a passion for numbers and people? Let’s talk.

The candidate for this position will be responsible for:

• Evaluating and documenting risk components related to loan requests from commercial customers

• Analyzing financial documentation to accurately evaluate cash flow and financial ratios

• Preparing accurate and concise loan approval reports in a timely manner

• Performing collateral audits and loan reviews

• Presenting to the Corporate Loan Committee as needed

• Assisting with training and mentoring of credit analysts

• Ensuring conformity with Fidelity Bank lending policies

• Regularly collaborating with lending officers and, as necessary, with customers

• Complying with regulations, policies, and standards of Fidelity Bank

Requirements for the position include:

• A Bachelor’s degree in a business-related field

• Analytical ability with excellent attention to detail

• Understanding of credit analysis, financial statements, and tax returns

• Knowledge of commercial loan products

• Strong verbal and written communication skills

• High level of competence regarding Microsoft Word and Excel

• Strong time management and multitasking skills

• The ability to work late and/or flexible hours

Preferred qualifications for this position include:

• Five years of commercial, credit, and loan administration experience.

• Small Business Administration (SBA) underwriting experience.

EEO/Veterans/Disabled

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