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. The primary function of the Credit Analyst is to evaluate the creditworthiness of businesses applying for loans or credit from the bank. This includes reviewing financial statements, market trends, and other data to assess risk which will allow the bank to make informed decisions on loan opportunities. The analyst does this by preparing loan approval reports for commercial clients to document the strengths and weaknesses of the request. 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 statements and tax returns
- Preparing loan approval reports
- Ensuring conformity with Fidelity Bank lending policies
- Performing collateral audits and loan reviews
- Complying with regulations, policies, and standards of Fidelity Bank
Requirements for the position include:
- A bachelor's degree in a business-related field
- Basic understanding of balance sheet, income statement, and cash flow statement
- Detail orientated with excellent communication and organization skills
- High level of competence regarding Microsoft Word and Excel
- The ability to work late and/or flexible hours is necessary
Preferred qualifications for this position include:
- Commercial credit and loan administration experience
EEO/Veterans/Disabled