Credit Analyst III

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