Our values define us and our culture inspires us to change lives for the better. Our employees are the heart and soul of our company and every success we experience begins with them.
We hire team members who raise the bar, who are collaborative and inclusive, who build relationships, and who are looking for a long-term career with Fulton. We strive to promote a culture of work-life balance, to unplug and recharge to be your best self, at work and at home.
Contribute to the profitability and growth of Fulton Financial Corporation by building, developing and managing new and existing client relationships with small businesses with one to five million dollars in revenues. Coordinate loan, deposit and fee income products and services appropriate to the needs of the client. Seek opportunities to network.
Responsibilities Essential Duties
Provide annual relationship reviews to understand client's needs, small businesses with 1-5 Million dollars in revenue, and future plans in order to identify appropriate loan, deposit or other financial service opportunities. Utilize the Bank proposal system to provide value added options to clients.
Facilitate prompt, courteous and satisfactory problem resolution. Take proactive, appropriate measures to retain loan and deposit balances, when desirable. Foster a collaborative Team approach with Fulton Partners and Retail Relationship Managers to enhance client relationships.
Exemplify the delivery of a superior customer experience. Participate in joint calling efforts for existing and prospective customers with Retail Relationship Managers, Fulton Partners and Senior Management.
Identify, source, maintain and develop small business customers and prospects with lending, deposit and other financial service needs. Utilize Bank proposal system to share the Fulton Financial Corporation story and showcase the bank's products, services and employees.
Identify new loan, deposit and other financial service opportunities within existing client base during regular client meetings. Ability to source a credit opportunity, negotiate mutually agreeable terms, navigate the credit underwriting and approval process, document the loan and execute the closing. Develop strategies to attract and retain high value Centers of Influence such as Attorneys, Accountants, Community Leaders, Chamber of Commerce, EDC's, Realtors, Insurance Agents, Title Companies.
Create value add experiences for clients and prospective clients. Entertain clients, and prospective clients in an acceptable manner that builds rapport, trust and creditability. Active participation in sales oriented meetings and functions with colleagues.
Ensure credit review and risk rating practices are continuous, complete and accurate. Gather and review all required financial and related company, industry, management data to monitor on going credit worthiness and risk rating accuracy.
Monitor management reports to address line reaffirmations, loan maturities, delinquencies, and exceptions. Establish action plans for troubled credits and or work with Special Assets Department to resolve problem loans in an efficient manner to protect the bank's investment. Timely and proactive management of loan databases.
Watch list reports, Asset Quality reporting as directed by Senior Management. Timely resolution to loan documentation and technical exceptions. Compliant with all regulatory and bank risk compliance matters. Work with the team members within the Business Loan Center in the decision making process.
Bachelor Degree or equivalent experience. Specialty: Business Management. (Required)
1 or more years Commercial Credit, Commercial banking, Consumer, or Small Business credit experience. (Required)
1 or more years Knowledgeable in fundamental concepts, practices and procedures of business banking. Understands Credit underwriting and has extensive partner knowledge and deposit gathering experience. (Required)
EEO Statement Fulton Financial Corporation ("Fulton") is an equal opportunity employer and is committed to providing equal employment opportunity for all qualified persons. Fulton will recruit, hire, train and promote persons in all job titles, and ensure that all other personnel actions are administered, without regard to race, color, religion, creed, sexual orientation, national origin, citizenship, gender, gender identity, age, genetic information, marital status, disability, covered veteran status, or any other legally protected status.
Fulton Financial Corporation