Credit Analyst III

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

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

~ Performing collateral audits and loan reviews

~ 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

A Bachelor’s degree in a business-related field

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

~ Knowledge of commercial loan products

~ High level of competence regarding Microsoft Word and Excel

~ The ability to work late and/or flexible hours

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

~ EEO/Veterans/Disabled