Senior Credit Officer

Fulton Bank•Columbia, MD

9d•Hybrid

About The Position

This is a full-time, hybrid career opportunity based out of one of Fulton Bank work locations within our footprint as follows: PA, NJ, MD, DE, VA, DC. Remote work location may also be available. Responsible for the execution of the corporation's lending policies, procedures as well as the overall quality of the Corporate Banking and Specialized Lending (Equipment Finance, Healthcare Banking, Syndications) portfolio throughout their assigned market. Provides credit risk assessment and guidance throughout the underwriting and approval process. This position will identify and execute risk management strategies in compliance with corporate risk tolerance limits as well and regulatory and accounting practices and policies.

Requirements

Bachelor's Degree or the equivalent experience. Specialty: Business, accounting, finance or other applicable degree field. (Required)
10 or more years Credit and underwriting. (Required)
10 or more years working with complex credit transactions to companies with revenue greater than $100 million. (Required)
Corporate Banking, Equipment Finance, Healthcare Banking, Syndications Credit and underwriting (Required)

Responsibilities

Provides strategic direction to the business line, develops and executes corporate policy, and partners with the Lending Teams, Specials Assets and Credit Underwriting. Develops or assists in developing policies and procedures to appropriately monitor and test all aspects of the market’s portfolio. Is responsible for local knowledge of and execution of credit action plans. Ensures adherence to the corporation's credit policy. Partner's with the workout, collection and foreclosure process Practices early identification and effective mitigation strategies on problem loans.
Provides effective, timely and transparent information on portfolio risk, management thereof, and compliance with policy and regulatory requirements to all independent third parties, including internal Loan Review and Audit as well as external bank examiners and accountants.
Reports and recommends strategies to market and corporate management in order to minimize portfolio risk and maximize return opportunities. Is responsible not only for the effective management of risk but also for the effective use of return and growth strategies while remaining in compliance with corporate policy and guidance. Monitors and reports key macroeconomic trends, local impacts and portfolio ramifications. Engaged participant in corporate credit risk and Allowance for Loan and Lease Loss qualitative review committees. Objectively carries out qualitative analysis and troubleshooting of issues that may be unique to market portfolios and may drive either growth or deterioration of portfolios. Provides recommendations to market and corporate management on how to address.
Actively participates in various Loan Committees and in the underwriting of larger and more complex commercial loan transactions. Is a key employee in fostering the appropriate corporate Credit Culture and the market level. Actively participates where appropriate in customer calling. Creates a culture of awareness and control in the day to day activities of the lending units. Ensures that all pertinent risks have been identified and assessed, including but not limited to credit, legal, regulatory, compliance, and operational, and that appropriate controls are established in order to mitigate these risks.
May manage people
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

This job is eligible to receive equity in the form of restricted stock units.
This job is eligible to participate in a short-term incentive compensation plan subject to individual and company performance.
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 and Employee Stock Purchase Plan
paid time off programs including holiday pay and paid volunteer time
disability insurance coverage and maternity and parental leave
adoption assistance
educational assistance and a robust wellness program with financial incentives.