Credit Analyst

About The Company
Fidelity Bank is a leading financial institution committed to providing exceptional banking services to individuals, small businesses, and commercial clients. With a strong reputation for integrity, innovation, and customer-centric solutions, Fidelity Bank has established itself as a trusted partner in financial growth and stability. The bank prides itself on fostering a collaborative and inclusive environment that encourages professional development and community engagement. As part of our ongoing commitment to excellence, we continuously invest in advanced technologies and industry best practices to serve our clients better and maintain our competitive edge in the financial sector.
About The Role
The Credit Analyst III position at Fidelity Bank is a vital role within our Credit Administration team, focusing on the thorough evaluation and management of complex commercial loan portfolios. The ideal candidate will possess a deep understanding of credit analysis across a broad spectrum of commercial clients, including commercial and industrial (C&I), investment commercial real estate, and small business sectors. This role requires a high level of analytical proficiency, attention to detail, and the ability to interpret financial data accurately to assess risks and opportunities associated with loan requests. As a senior member of the team, the Credit Analyst III will serve as a key resource for credit-related expertise, mentor junior analysts, and contribute to maintaining the bank’s lending standards and policies. The role also involves collaboration with lending officers, management, and clients to ensure seamless communication and compliance with regulatory standards.
Qualifications
The ideal candidate will hold a Bachelor's degree in a business-related field such as Finance, Economics, Accounting, or a related discipline. Demonstrated analytical ability with exceptional attention to detail is essential, along with a solid understanding of credit analysis, financial statements, and tax returns. Proficiency in commercial loan products and the ability to interpret complex financial data are critical. Strong verbal and written communication skills are required to effectively present findings and collaborate with team members and clients. Candidates should possess advanced skills in Microsoft Word and Excel, with the ability to manage multiple priorities efficiently. Flexibility to work late hours or adapt to changing schedules is also valued.
Responsibilities
Evaluating and documenting risk components associated with loan requests from commercial clients, ensuring comprehensive analysis and accurate risk assessment.
Analyzing financial documentation, including financial statements and tax returns, to assess cash flow, financial health, and repayment capacity.
Preparing precise and concise loan approval reports within designated timeframes to facilitate informed decision-making.
Conducting collateral audits and performing periodic loan reviews to verify collateral value and compliance with lending policies.
Presenting loan proposals and findings to the Corporate Loan Committee, providing expert insights and recommendations.
Assisting in the training and mentoring of junior credit analysts to promote skill development and maintain high-quality standards.
Ensuring all credit activities conform to Fidelity Bank’s lending policies, regulatory requirements, and industry standards.
Collaborating regularly with lending officers and, when necessary, engaging with clients to clarify loan details and facilitate smooth transactions.
Maintaining up-to-date knowledge of credit policies, market conditions, and regulatory changes impacting commercial lending.
Benefits
Fidelity Bank offers a comprehensive benefits package designed to support our employees' well-being and professional growth. Benefits include competitive salary packages, health insurance plans, retirement savings options, paid time off, and opportunities for continuous learning and development. We also promote a healthy work-life balance through flexible working arrangements and employee assistance programs. Our commitment to diversity and inclusion ensures a respectful and collaborative environment where all team members can thrive and contribute to the bank’s success.
Equal Opportunity
Fidelity Bank is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. We do not discriminate based on race, color, religion, gender, sexual orientation, gender identity or expression, age, national origin, disability, veteran status, or any other protected class. We believe in fostering a workplace where everyone has the opportunity to succeed and grow professionally.

Work arrangement
Yes