Credit Analyst

Apply for the Credit Analyst role at The Fidelity Bank
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The Credit Analyst will support the field associates in completing credit memorandums for new and existing bank relationships. Key responsibilities include inputting and analyzing financial statement data and interpreting the repayment capacity of borrowers. The position will report to the Chief Credit Officer and work closely with Senior Credit Officers to minimize risk and help grow revenue. The Credit Analyst will be crucial in completing timely annual reviews of the bank’s largest loan customers.

• 10% – Ensure loan packages are complete according to bank policy.
• 25% – Input and analyze financial statements and credit bureaus using proprietary bank software (primary tax returns).
• 20% – Determine business and global cash flow of commercial borrowers.
• 15% – Perform analysis on diverse types of collateral.
• 5% – Assist lenders in determining the most appropriate loan structure.
• 5% – Partner with bankers in completing credit memorandums for various sized businesses and requests.
• 10% – Collaborate with bankers and Senior Credit Officers to complete annual reviews on large borrowers.
• 5% – Assist Chief Credit Officer with regulatory compliance.
• 5% – Other duties as assigned.

Bachelor’s degree and 2 years of experience in commercial or consumer lending or an equivalent combination of education and experience.

• Experienced in reading balance sheets, income statements, credit reports, and personal financial statements.
• Strong understanding of business entity legal structures, risk rating, and financial statement ratio analysis.
• Ability to locate and use relevant industry analysis.

Excellent computer skills including experience with proprietary bank software and Microsoft Office.

Affirmative Action/Equal Employer.