Senior Commercial Credit Analyst

Fulton Bank•Lancaster, PA

15h•Hybrid

About The Position

This is a full-time career opportunity that can be hybrid within the Fulton Bank footprint as follows: DC, DE, MD, NJ, PA, VA. This role will be supporting our Commercial Banking and Middle Market Banking teams. The primary responsibility of this role is to develop and analyze pertinent credit and financial information on all types of loans, focusing primarily on those credits that are the most complex and multi-faceted. Complex and thorough proforma and sensitivity analysis necessary. Incumbents in this role will work on credits of industries that demand an advanced level of understanding of complex issues and are expected to maintain competency in specialized areas including staying well informed on industry trends.

Requirements

Bachelor's Degree or the equivalent experience. Specialty: Accounting, Business Administration, or Finance. (Required)
8 or more years high level credit analysis experience. (Required)
5 or more years working knowledge of bank products and types of loan structuring. (Required)
Strong understanding of financial statements and credit evaluation principles (Required)
Excellent analytical and problem-solving skills (Required)
Strong attention to detail and accuracy (Required)
Effective verbal and written communication skills (Required)
Individuals must be authorized to work in the United States without sponsorship for a work visa by Fulton Bank currently or in the future.

Nice To Haves

Knowledge of and ability to incorporate credit assessment techniques gained in fundamental credit training(s) (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 (e.g. Regulation B, Regulation O, etc.) and the bank’s commercial lending policies.
Prepare advanced sensitivity analyses with stressing of a multitude of variables that drive revenue and cash flow projections.
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.
Prepare projected cash flows based on historical results and generate and evaluate financial ratios to foresee future credit risks.
Develop global cash flow projections that comprehensively address all sources and uses of cash available to service debt.
Analyze financial statements and related material including the preparation of comparisons with similar companies within the bank’s portfolio to develop industry matrices.
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 maintain understanding of best practices in credit analysis.
Develop expertise in specific industries and provide guidance and training to other analysts and loan officers within those industries.
Serve as a resource for other analysts working on similar credit presentations in an area where a specialization has been developed.
May serve as a resource for Financial Center Managers by providing guidance on loan policies and loan structuring.
May work directly with Relationship Managers, Portfolio Managers and Credit Officers to accept, prioritize, and log work requests to assist in the preparation of department management reports.
May serve as direct point-of-contact for customers in areas involving specialization.
May act as secretary for Loan Committee meetings.
May assist in updating and maintaining customer commitment reports, completing file work and submitting risk rating changes.
May assist in training in a higher and more formal capacity such as by instructing financial and/or lending courses for the benefit of analysts or other departments.
May analyze relationship profitability reports to help determine appropriate pricing for prospective loans.
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.

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