Credit Analyst

Description

At Fidelity Bank, we are committed to delivering exceptional service and building strong relationships with both our internal and external customers. We are currently seeking a highly motivated and detail-oriented Credit Analyst to join our team. As a key member of our Credit Analysis team, you will assist in evaluating financial information, performing analyses, and contributing to the overall success of the department while ensuring compliance with organizational policies and regulations.

This in person Credit Analyst position based in Scranton PA, will be responsible for performing duties of credit analysis function, assisting in evaluating and analyzing data on borrowing accounts, and ensuring proper documentation and compliance. This position offers an exciting opportunity for individuals looking to grow their existing careers in credit analysis while contributing to the success of the organization.

Key Responsibilities:

• Customer Experience: Provide an engaging and professional experience to all customers, both internal and external, by adhering to the Fidelity Model Experience and Core Values of the organization.
• Data Analysis: Review and analyze financial data from prospective and active borrowing accounts (e.g., financial statements, agency reports) to evaluate their creditworthiness and short- and long-term prospects.
• Credit Recommendations: Depending on assignment, assist in making recommendations on granting or denying loans, or suggest loan grades based on a thorough credit analysis.
• Documentation: Maintain detailed and accurate documentation of all financial analysis, including ratios, data, and other relevant information.
• Compliance & Policy Adherence: Ensure that all credit analysis activities are conducted in line with prescribed lending policies and procedures. Follow internal compliance policies related to risk management and regulatory requirements (e.g., HMDA, CRA, Equal Credit Opportunity Act).
• Team Collaboration: Communicate effectively with management, staff, and other departments to support departmental goals and integrate efforts for mutual success.
• Training & Development: Engage in continuous learning opportunities to enhance your knowledge and develop your skills in credit analysis. Complete necessary training and career development activities.
  
  

Qualifications:

• Strong analytical skills and attention to detail.
• Ability to evaluate financial data and understand financial statements.
• Excellent communication and interpersonal skills.
• Ability to work independently and collaboratively within a team environment.
• Knowledge of compliance regulations and lending policies is preferred.
• High degree of professionalism and a commitment to providing excellent customer service.
• Ability to manage multiple tasks and meet deadlines.
• Proficient in Microsoft Office Suite (Excel, Word, etc.).
• Three Years of Credit Experience Preferred.
• A bachelor's degree in finance, Accounting, Economics, or related field is preferred, or equivalent experience.
  
  

Recognized as one of the “Best in State Banks” by Forbes Magazine for the second time, the American Bankers’ Association has also ranked Fidelity Bank one of the “Top 200 Community Banks in the U.S.” for 5 years in a row, and the Bank has been awarded “Best Bank” by the readers of the Scranton Times 6 years in a row. Fidelity offers a positive and supportive environment, focusing on work/life balance, encouraging volunteerism, and investing in education and training. Submit your application today to be considered for this exciting opportunity with a growing community-focused bank.

Qualifications

Education/Training: A B.S. or B.A. degree in a related field of study required; specialized financial analysis training preferred.

Skill(s): Proficient reading, writing, grammar, and mathematics skills; moderate interpersonal relations and communicative skills; working knowledge of current lending and loan review regulations and banking regulations, procedures, and operations; basic ability to analyze and interpret financial statements; good computer skills; visual and auditory skills.

Experience: Entry level or less than three (3) years’ experience. Some analytical, accounting, or related experience in the financial services industry is preferred