Credit Analyst III

CREDIT ANALYST IIIJob OverviewOur 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 customersAnalyzing financial documentation to accurately evaluate cash flow and financial ratiosPreparing accurate and concise loan approval reports in a timely mannerPerforming collateral audits and loan reviewsPresenting to the Corporate Loan Committee as neededAssisting with training and mentoring of credit analystsEnsuring conformity with Fidelity Bank lending policiesRegularly collaborating with lending officers and, as necessary, with customersComplying with regulations, policies, and standards of Fidelity BankRequirements for the position include: A Bachelor's degree in a business-related fieldAnalytical ability with excellent attention to detailUnderstanding of credit analysis, financial statements, and tax returnsKnowledge of commercial loan productsStrong verbal and written communication skillsHigh level of competence regarding Microsoft Word and ExcelStrong time management and multitasking skillsThe ability to work late and/or flexible hoursPreferred qualifications for this position include:Five years of commercial, credit, and loan administration experience.Small Business Administration (SBA) underwriting experience.EEO/Veterans/Disabled Fidelity Bank