Credit Analyst

About The Company Fidelity Bank is a leading financial institution dedicated to providing innovative banking solutions and exceptional customer service. With a strong commitment to community development and financial stability, Fidelity Bank has built a reputation for integrity, professionalism, and personalized service. Our extensive range of banking products and services caters to individuals, small businesses, and large corporations, ensuring tailored financial solutions that meet diverse needs. We prioritize fostering a collaborative and inclusive work environment, encouraging our employees to grow professionally while contributing to the bank’s mission of empowering communities and supporting economic growth. About The Role The Credit Analyst III position at Fidelity Bank is a vital role within our Credit Administration team, responsible for safeguarding the bank’s assets by conducting thorough credit analyses of commercial loan requests. The ideal candidate will possess a deep understanding of credit evaluation processes across various commercial sectors, including commercial and industrial (C&I), investment commercial real estate, and small business lending. This role demands a high level of analytical capability, attention to detail, and the ability to interpret complex financial data accurately. The Credit Analyst III serves as a key resource within the team, providing guidance, mentorship, and training to junior analysts, while also acting as a liaison with lending officers and clients. The role offers an opportunity to work on complex credit portfolios, contribute to risk management strategies, and support the bank’s growth initiatives while maintaining compliance with regulatory standards and internal policies. Qualifications To be successful in this role, candidates should possess a bachelor’s degree in a business-related field such as Finance, Economics, Accounting, or a related discipline. Demonstrated analytical skills and a keen eye for detail are essential, along with a solid understanding of credit analysis principles, financial statements, and tax returns. Candidates should have a working knowledge of commercial loan products and the ability to interpret financial data effectively. Strong verbal and written communication skills are necessary to prepare clear reports and present findings confidently. Proficiency in Microsoft Word and Excel is required, with an emphasis on advanced functions such as financial modeling and data analysis. Time management and multitasking abilities are critical, along with flexibility to work late or adapt to changing priorities as needed. Responsibilities Evaluating and documenting risk components related to loan requests from commercial customers, ensuring all relevant factors are considered.Analyzing financial documentation, including cash flow statements, balance sheets, and income statements, to assess financial health and repayment capacity.Preparing accurate and concise loan approval reports, summarizing findings and recommendations for senior management and committees.Performing collateral audits and conducting periodic loan reviews to monitor ongoing risk and compliance.Presenting credit analyses and recommendations to the Corporate Loan Committee, supporting informed decision-making.Assisting in the training and mentoring of junior credit analysts, fostering a knowledgeable and efficient team environment.Ensuring all credit evaluations conform to Fidelity Bank’s lending policies and regulatory requirements.Collaborating regularly with lending officers to facilitate seamless loan processing and client communication.Maintaining compliance with all applicable regulations, policies, and standards to uphold the bank’s integrity and reputation. Benefits Fidelity Bank offers a comprehensive benefits package designed to support the health, well-being, and professional development of our employees. Benefits include competitive salary packages, health and dental insurance, retirement plans, and paid time off. We also provide opportunities for ongoing training and career advancement, recognizing and rewarding excellence and dedication. Our inclusive work environment promotes work-life balance, flexibility, and a culture of collaboration, ensuring our employees feel valued and empowered to succeed. Additionally, employees have access to various wellness programs, employee assistance programs, and community engagement initiatives that foster personal growth and community involvement. Equal Opportunity Fidelity Bank is an Equal Opportunity Employer committed to fostering an inclusive and diverse workplace. We do not discriminate against any individual on the basis of race, color, religion, sex, national origin, age, disability, veteran status, or any other protected characteristic. We believe in providing equal employment opportunities and creating a work environment where everyone can thrive and contribute to our collective success. We welcome applications from qualified candidates of all backgrounds and are dedicated to supporting a culture of equity and respect in all our employment practices.