Account Management Analyst

Fulton Bank•Lancaster, PA

4d•$57,800 - $96,300

About The Position

The Account Management Analyst is a subject matter expert on account management processes and supports internal stakeholders and external customers. The role provides credit review, analysis, and credit risk management for an assigned population of Business Banking accounts with total credit exposure up to $1 million. Through consultation, the analyst maintains and expands relationships with stakeholders to support operational excellence and consistent customer experiences. This is a full-time career opportunity that may be hybrid or remote within Fulton Bank’s footprint in DC, DE, MD, NJ, PA, or VA. Training may require onsite attendance, and quarterly travel to Lancaster, Pennsylvania is required. The position may also take on additional responsibilities involving the Small Business Trigger model, end-of-draw reviews, and serving as a lead contact when management is unavailable.

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.
Must be authorized to work in the United States without current or future Fulton Bank sponsorship for a work visa.

Nice To Haves

Financial analysis.

Responsibilities

Manage credit risk for assigned accounts when triggers or alerts occur or when lines of credit approach the end of their draw period; assess trigger impacts and recommend next steps in accordance with policy and procedures.
Monitor delinquency and payment collection efforts through communication with Special Assets.
Communicate regularly with stakeholders to understand customers’ situations and future intentions, support business areas and external stakeholders, and 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 high-risk accounts or accounts outside established metrics.
Assess credit exposure and recommend account structure changes or whether accounts should be suspended or remain open.
Maintain continuous, complete, and accurate credit reviews and risk ratings; determine the review level required for each loan.
Present reviews with detailed, documented recommendations to management when enhanced criteria are considered for exception approval.
When applicable, communicate review results to customers and operations.
Review and make decisions on Fixed Rate Advance, loan modification, and subordination requests; check supporting documents for accuracy and completeness.
Contact settlement agents and lenders to obtain missing requirements.
Ensure documents prepared or approved for account management requests and internal communications comply with departmental policies and procedures.
May manage and execute the Small Business Trigger model.
May analyze portfolio lines of credit approaching the end of the draw period using established End of Draw criteria to determine renewal eligibility; ensure reviews, approvals, and communications comply with regulatory guidance and departmental policies and procedures.
May serve as a lead contact within the CRM system for junior staff, internal stakeholders, and external customers when management is unavailable.
Perform other duties as assigned by the manager and complete assigned compliance training; understand, identify, and escalate applicable compliance risks.

Benefits

Medical plans with prescription drug coverage.
Flexible spending account or health savings account, depending on the medical plan selected.
Dental insurance.
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.
Eligible to participate in a short-term incentive compensation plan, subject to individual and company performance.