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