Commercial Credit Analyst

Fulton Bank•Columbia, MD

1d•$51,600 - $86,000•Hybrid

About The Position

This is a full-time career opportunity on our Special Assets team that can be hybrid within the Fulton Bank footprint as follows: PA, NJ, MD, DE, VA, DC. The primary responsibility of this role is to develop and analyze pertinent credit and financial information on all types of loans to aid the company in making informed and sound credit decisions. Incumbents in this role will focus primarily on less complex credits and reaffirmation requests with the assistance from senior analysts or management, as needed.

Requirements

Bachelor's Degree or the equivalent experience. Specialty: Accounting, Business Administration, Finance or another business or banking related program. (Required)
Excellent analytical and problem-solving skills (Required)
Strong attention to detail and accuracy (Required)
Effective verbal and written communication skills (Required)

Nice To Haves

2 or more years Credit analysis experience and working knowledge of bank products and types of loan structuring. (Preferred)

Responsibilities

Gather and review all pertinent credit and financial information of the borrower, assess risk of complete credit relationship including borrower, related entities, guarantors, and contingent liabilities, and offer insights and detailed reporting of the findings concerning credit worthiness to loan officer and/or loan committee.
Prepare deposit and loan summaries on customer relationships and cash flow projections on each borrower, guarantor, and contingent liability.
Review loan documentation to assess compliance with loan covenants and loan agreements, as well as to confirm compliance with bank regulation and the bank’s commercial lending policies.
Gather appropriate information to prepare loan presentations to be presented to loan officer and or Regional Loan Committees.
Along with Relationship Managers, Portfolio Managers and Credit Officers, be an active participant in deal screening meetings to aid in fully vetting the credit.
Assist in gathering information required by bank examiners and internal audit and ensure that all operating policies and procedures are followed.
Research and stay current on industry trends to develop understanding of best practices in credit analysis
May assist in updating and maintaining customer commitment reports, completing file work and submitting risk rating changes.
May analyze relationship profitability reports to help determine appropriate pricing for prospective loans.

Benefits

medical plans with prescription drug coverage
flexible spending account or health savings account depending on the medical plan chosen
dental and vision insurance
life insurance
401(k) program with employer match
Employee Stock Purchase Plan
paid time off programs including holiday pay and paid volunteer time
disability insurance coverage
maternity and parental leave
adoption assistance
educational assistance
a robust wellness program with financial incentives