SUMMARY:
In accordance with established lending policies and procedures, the Senior Credit Officer of Small Business Administration Lending will underwrite and prepare packages for government agency submission. This position will assist the Business Development Officer with pre-flighting loan opportunities, negotiating loan terms and structuring customer presentations. This position will help manage credit projects and will help with identifying opportunities to create efficiencies.
PRINCIPAL ACCOUNTABILITIES:
Time: Description:
70% Ensures Small Business Administration loan requests are underwritten soundly, in conformity with Fidelity Bank's Credit Policy and Procedures and government agency regulations and guidelines. Ensures risk and mitigants are clearly discussed and policy exceptions are described, supported, and reported. Approves or denies requests within delegated authority. Ensures accurate and proper loan file documentation.
10% Works effectively and cooperatively with Business Development Officers, Analysts, Credit Risk Review Officers, and other team members in achieving goals.
10% Demonstrates teamwork and facilitates communication and workflow, including creative and pragmatic solutions to credit challenges.
5% Provide support to Business Development Officers in all areas of credit. This includes pre-flighting loan opportunities, negotiating loan terms and structuring customer presentations.
5% Assists with the management of credit projects and identifying opportunities to create efficiencies.
BASIC QUALIFICATIONS:
Bachelor's degree with 10 years of experience in commercial and consumer lending with a minimum of 5 years working with Small Business Administration loans or an equivalent combination of education and experience.
ADDITIONAL QUALIFICATIONS:
- Excellent verbal, written, and interpersonal communication skills.
- Strong Analytical ability.
- Knowledge and understanding of underwriting or evaluating commercial credit.
- Thorough understanding of SBA regulations and guidelines as well as other Government Guaranteed loan requirements.
The above statements are intended to describe the general nature and level of work being performed by people assigned to this job.
They are not intended to be an exhaustive list of all responsibilities, duties and skills required of personnel so classified.
Affirmative Action/Equal Opportunity Employer
Skills Required
- Bachelor's degree
- 10 years of experience in commercial and consumer lending
- Minimum 5 years of experience working with Small Business Administration loans, or equivalent education and experience
- Excellent verbal, written, and interpersonal communication skills
- Strong analytical ability
- Knowledge and understanding of commercial credit underwriting or evaluation
- Thorough understanding of SBA regulations, guidelines, and other government-guaranteed loan requirements
Fidelity Bank (fidelitybank.com) Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Fidelity Bank (fidelitybank.com) and has not been reviewed or approved by Fidelity Bank (fidelitybank.com).
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Healthcare Strength — Feedback suggests medical, dental, and vision coverage are comprehensive, complemented by options like FSAs and wellness resources. Offerings such as preventive care programs and mental‑health support indicate strong healthcare support.
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Leave & Time Off Breadth — Feedback suggests paid time off is generous, with around four weeks of PTO for full‑time employees, separate sick time, paid holidays, and paid volunteer hours in some roles. Emphasis on work‑life balance and time to travel, be with family, or volunteer reinforces breadth.
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Retirement Support — Feedback suggests a 401(k) or similar retirement plan is available alongside financial‑preparedness benefits to support long‑term saving. Banking perks and related financial benefits further bolster retirement support.
Fidelity Bank (fidelitybank.com) Insights
What We Do
Member FDIC | Equal Housing Lender | Equal Opportunity Employer We understand that our customers need more than a bank - they need problem-solving solutions and partners. We stand ready to serve. Together we move Bravely Onward.® Learn more at fidelitybank.com
