Job Description

The Credit Analyst plays a critical role in the banks lending process by providing high-quality underwriting, financial analysis, credit risk assessment, and ongoing loan monitoring. This position partners closely with lenders, loan operations, and senior management to ensure that credit decisions are well-supported, documented, and aligned with the banks credit culture and regulatory expectations.

Key Responsibilities

Underwriting & Financial Analysis

• Spread and analyze personal, business, and commercial financial statements using bank-approved software and methodologies.
• Conduct thorough credit analysis, including cash flow, global cash flow, collateral evaluation, and risk ratings.
• Prepare written credit memorandums with clear conclusions and recommendations.
• Assess borrower repayment capacity, industry and market conditions, and overall creditworthiness.

Portfolio Monitoring & Reporting

• Maintain and update the banks problem loan list, including monitoring trends, updated financials, and risk-rating changes.
• Perform periodic internal reviews of existing credits to ensure ongoing compliance with underwriting standards and policy.
• Track and clear loan agreement exceptions, including financial reporting requirements, insurance, tax returns, and covenants.
• Monitor loan maturities and coordinate with lenders to ensure timely renewals.

Documentation & Compliance

• Ensure all credit files and underwriting packages are complete, accurate, and compliant with regulatory and internal policy requirements.
• Assist with CECL-related data gathering, collateral valuations, stress testing inputs, and portfolio analytics as assigned.
• Support loan review and audit processes by providing analysis, documentation, and response materials.

Collaboration & Support

• Work directly with lenders to structure credit proposals and identify strengths, weaknesses, and mitigants.
• Serve as a resource for financial statement interpretation and credit policy guidance.
• Provide insights and recommendations to management on credit quality, portfolio trends, and emerging risks.

Qualifications

• Bachelors degree in Finance, Accounting, Business, Economics, or related field.
• Prior experience in credit analysis, lending, bank operations, or accounting preferred.
• Strong understanding of financial statements, cash-flow analysis, and commercial lending principles.
• Excellent written and verbal communication skills.
• High attention to detail, accuracy, and organization.
• Ability to meet deadlines and manage multiple priorities in a fast-paced environment.
• Proficiency with Microsoft Excel and financial spreading tools (or ability to quickly learn bank systems).

About Fidelity Bank of Texas

Fidelity Bank of Texas is a community-focused, relationship-driven bank committed to strong underwriting, local decision-making, and exceptional customer service. We are looking for a detail-oriented Credit Analyst who will support our growing loan portfolio and ensure safe, sound, and compliant lending practices.

Why Join Fidelity Bank of Texas?

• Local leadership and decision-making.
• Opportunity to grow in a community-focused, stable financial institution.
• Collaborative culture with direct access to senior leadership.
• Competitive compensation and benefits.

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