Emerging Portfolio Manager — Commercial Lending

Fidelity Bank; Lexington (NC); On-site; USD 65,000 - 90,000; Full time

Job summary

Fidelity Bank in Lexington, NC is seeking a Junior Portfolio Manager to develop credit, portfolio management, and business development skills within a structured lending development program. You will work closely with seasoned lenders, credit partners, and portfolio managers to progressively assume responsibility for commercial relationships as you advance toward Business Development Officer capabilities.

The role emphasizes hands‑on loan portfolio administration, financial analysis, and client

Qualifications

• Bachelor's degree in Finance, Accounting, or Economics or equivalent experience.
• Understanding of financial statements and lending principles.
• Strong analytical and problem-solving abilities.

Responsibilities

• Assist in managing an assigned portfolio of commercial loan relationships.
• Monitor loan performance, maturities, covenant compliance, and risk ratings.
• Review borrower financial statements and prepare annual relationship reviews.
• Assist with construction loan monitoring, inspections, and draw administration.
• Develop proficiency in cash flow analysis, risk grading, and loan structuring.
• Participate in underwriting discussions with Credit Officers and Business Development Officers.
• Support cross-selling and client relationship development.

Skills

Analytical thinking

Relationship building

Financial statement analysis

Credit underwriting

Education

Bachelor’s degree in Finance, Accounting, Economics

Tools

Microsoft Office

Commercial lending systems

Job description

Fidelity Bank in Lexington, NC is seeking a Junior Portfolio Manager to develop credit, portfolio management, and business development skills within a structured lending development program. You will work closely with seasoned lenders, credit partners, and portfolio managers to progressively assume responsibility for commercial relationships as you advance toward Business Development Officer capabilities.

The role emphasizes hands‑on loan portfolio administration, financial analysis, and client