Account Management Analyst

Fulton Bank•Lancaster, PA

About The Position

The Account Management Analyst is a full-time career opportunity supporting Fulton Bank Business Banking clients with total credit exposure up to $1 million. The role may be hybrid or remote within the Fulton Bank footprint in DC, DE, MD, NJ, PA, or VA; training may require onsite attendance, and quarterly travel to Lancaster, PA is required. The analyst serves as a subject matter expert for Account Management processes and provides assistance to internal stakeholders and external customers. The role performs credit review, analysis, and credit risk management for an assigned account population. Through consultation, the analyst maintains and expands responsive stakeholder relationships to support operational excellence and consistent customer experiences. The position may also support the Small Business Trigger model, perform financial analyses for lines of credit nearing the end of their draw period, and take on an expanded CRM role serving as a lead contact when management is unavailable. Employees are expected to complete assigned compliance training, understand and address compliance risks, follow applicable laws and policies, and escalate risks to the appropriate level of management.

Requirements

Bachelor’s degree or equivalent experience; specialty in business administration or a related field.
At least 3 years of consumer, commercial, or small business credit experience.

Nice To Haves

Financial analysis.

Responsibilities

Manage credit risk for an assigned portfolio when triggers or alerts occur, or when lines of credit approach the end of the draw period.
Assess the impact of triggers and recommend next steps in accordance with policies and procedures.
Monitor delinquency and payment collection efforts in communication with Special Assets.
Engage with stakeholders to understand customers’ situations and future intentions.
Support other business areas and external stakeholders as appropriate.
Act as a liaison between customers’ relationship managers and Special Assets.
Provide limited customer contact and assist with joint customer telephone conference calls when needed.
Analyze credit and financial information and recommend decisions for accounts identified as high risk or outside established metrics.
Assess credit exposure and recommend account structures and whether accounts should be suspended or remain open.
Ensure credit reviews and risk-rating practices are continuous, complete, and accurate.
Determine the level of review required for each loan.
Present reviews with detailed, documented recommendations to management when enhanced criteria are being considered for exception approval.
Communicate review results to customers and operations when applicable.
Review and decide Fixed Rate Advance, loan modification, and subordination requests, and check supporting documentation for accuracy and completeness.
Contact settlement agents and lenders to obtain missing requirements.
Ensure documents prepared or approved for account management requests, and communications with internal customers, comply with approved departmental policies and procedures.
May manage and execute the Small Business Trigger model.
May conduct financial analyses of portfolio lines of credit nearing the end of the draw period, using established End of Draw criteria to determine renewal eligibility.
Ensure End of Draw reviews, account management approvals, and customer communications comply with regulatory guidance and departmental policies and procedures.
May serve as a lead CRM contact for junior staff, internal stakeholders, and external customers when management is unavailable.
Complete assigned compliance training, follow applicable compliance programs and requirements, identify and address compliance risks, and escalate risks to the appropriate management level.
Perform other duties as assigned by the manager.

Benefits

Medical plans with prescription drug coverage.
Flexible spending account or health savings account, depending on the medical plan selected.
Dental and vision insurance.
Life insurance.
401(k) program with employer match.
Employee Stock Purchase Plan.
Paid time off programs, including holiday pay.
Paid volunteer time.
Disability insurance coverage.
Maternity and parental leave.
Adoption assistance.
Educational assistance.
Wellness program with financial incentives.
Eligibility for a short-term incentive compensation plan subject to individual and company performance.