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 II 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. 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
- 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:
- Commercial, credit, and loan administration experience.
- Small Business Administration (SBA) underwriting experience.
EEO/Veterans/Disabled