Primary responsibility is to monitor the portfolio quality of assigned Segment 2 and 3 businesses' credit relationships including gathering, analyzing and underwriting all business and personal financial data collected for the purpose of issuing, extending, amending, reviewing, monitoring and testing a commercial credit facility for the most complex and high valued loans and maintaining direct contact with clients in the management of these relationships. Expected to liaise between all parties to ensure timely and efficient analysis that meets the expectations of the Borrowers, Relationship Managers, Credit Officers, Borrowers' Financial Advisors, and Attorneys. Assists team in achieving sales results and portfolio growth. Identifies sales opportunities within the portfolio and escalate to the RM. Additionally, the position is responsible for expanding their relationships by cross-selling the Banks products and services when appropriate.
Responsibilities- Accountable together with the Relationship Managers for managing complex credit relationships through underwriting, policy knowledge, credit structuring, and risk assessment in complex credit request packages. Ensure packages are complete, accurate and thoroughly documented. Coordinate meetings to discuss new loan requests, renewals, current and adequate financial statement collection, risk rating assessments, past dues, pipeline and call preparation
- Engage in ongoing direct dialogue with clients focusing on the credit relationship
- Provide credit management support to the CME for the entire loan portfolio. Maintain oversight to key portfolio activities to include Watchlist reporting, AQR process completion, and loan review interaction. Monitor covenant testing, financial collection and annual line reaffirmation/term loan review process with associated accounts.
- Complete industry specific underwriting including analysis and industry sub-sector trends
- Assist in an effective closing process including working with outside counsel, clients and advisors throughout onboarding. Drive accurate ordering appropriate documents. Act as liaison with internal departments. Ensure loans are booked as approved
- Facilitate timely receipt of current and adequate financial statements. Analyze financial statements and document client performance, conduct annual credit review meetings with clients along with identified risk and risk factors
- Conduct loan portfolio concentration and trend analysis. Generate industry and market analysis reports for production and credit staff. Monitor and assess the loan portfolio for performance trends. Manage data integrity of all data inputs and outputs. Review and update loan systems information to ensure accuracy
- Assists team in achieving sales results and portfolio growth. Partners with RMs to increase overall sales performance by identifying sales opportunities within the portfolio.
Bachelor Degree or the equivalent experience. Specialty: Finance, Economics, or Business Administration. (Required)
Experience10 or more years Commercial Credit. (Required)
10 or more years Banking. (Required)
This role may perform other job duties as assigned by the manager. Each employee of the Organization, regardless of position, is accountable for reading, understanding and acting on the contents of all Company-assigned and/or job related Compliance Programs, regulations and policies and procedures, as well as ensure that all Compliance Training assignments are completed by established due dates. This includes but is not limited to, understanding and identifying compliance risks impacting their department(s), ensuring compliance with applicable laws or regulations, and escalating compliance risks to the appropriate level of management. Sponsorship Statement As a condition of employment, individuals must be authorized to work in the United States without sponsorship for a work visa by Fulton Bank currently or in the future. EEO Statement Fulton Bank (“Fulton”) is an equal opportunity employer and is committed to providing equal employment opportunity for all qualified persons. Fulton will recruit, hire, train and promote persons in all job titles, and ensure that all other personnel actions are administered, without regard to race, color, religion, creed, sexual orientation, national origin, citizenship, gender, gender identity, age, genetic information, marital status, disability, covered veteran status, or any other legally protected status. We can recommend jobs specifically for you! Click here to get started.