Sorry, this job is no longer accepting applications. See below for more jobs that match what you’re looking for!

Credit Analyst

Expired Job

Fulton Financial Corporation Wilmington , DE 19801

Posted 2 months ago


Responsible for assisting in the efficient and effective operation of the Credit Department within the Credit Administration function. Develops and analyzes all types of credit information on all types of loans and focuses primarily on less complex credits and on reaffirmation requests with assistance from the Regional Credit Manager and Senior Analysts.

Prepares and presents credit reports to loan officers or loan committees. Provides assistance to loan officers, as required.

Office space available in Wilmington, DE; Richmond, VA or Virgina Beach, VA.

  • Initial two week training will take place at the Corporate Headquarters in Lancaster, PA.

ResponsibilitiesEssential Duties

  • Develops and analyzes all credit information on all loans, particularly less complex credits requiring a lower degree of analysis and on reaffirmations. Reviews all pertinent credit and financial information, and requests additional information from the loan officer and or customer if necessary.

    Spreads financial statements using Bank software. Generates and evaluates financial ratios to foresee future credit risks. Analyzes financial statements and related material including the preparation of comparisons with similar companies within the Banks portfolio.

    Prepares deposit and loan summaries on customer relationships. Prepares cash flow projections on each borrower, guarantor, and contingent liability. Develops global cash flow projections that comprehensively address all sources and uses of cash available to service debt.

    Stress tests cash flow assumption. Analyze rent rolls and lease agreements and complete a Property Operating Analysis. Reviews loan documentation to assess compliance with loan covenants and loan agreements.

    Assesses risk of complete credit relationship including borrower, related entities, guarantors, and contingent liabilities. Verifies compliance with bank regulation and the Bank's commercial lending policies. Compiles financial related data on comparable companies to develop industry matrixes.

    Prepares customer relationship profitability summaries using Bank software. Prepares a written summary, presenting facts and offering opinion concerning credit worthiness to loan officers and or loan committees. Gathers appropriate information to complete loan presentations to be presented to loan officer and or Regional Loan Committees.

    Identifies any exceptions to loan policies. Presents and defends loan presentation recommendations at regional analyst meetings.

  • Provides assistance to loan officers. Accompanies loan officers and participates in all types of customer calls, and in some occasions, write a memo outlining the details of the call.

    Ensures that all credit files are kept current with the latest financial statements. Researches and prepares specific industry information to inform the loan officer and benefit the customer. When necessary, analyzes relationship profitability reports to help determine appropriate pricing for prospective loans. Assists loan officers to prepare for customer meetings by preparing a list of questions and a packet of customer related information such as loan and deposit update, industry matrix, prior memos and presentations, and industry data.

  • Assumes responsibility for assisting in the efficient and effective operation of the Credit Department. Ensures that all operating policies and procedures are followed.

    On a rotating basis, acts as secretary for Local or Regional Loan Committees. On a rotating basis, updates and maintains customer commitment reports, completes file work, and submits risk rating changes. Plans for and participates in credit related discussion topics at regional analyst meetings.

    Helps gather information required by bank examiners and internal audit. Makes recommendations regarding improved operating systems and procedures.


  • Bachelor Degree. Specialty: Accounting, business administration, or finance. (Required)


  • 0 to 6 months performing the essential duties of this role. Analytics and working knowledge of bank products and types of loan structuring. (Preferred)

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.

See if you are a match!

See how well your resume matches up to this job - upload your resume now.

Find your dream job anywhere
with the LiveCareer app.
Download the
LiveCareer app and find
your dream job anywhere

Boost your job search productivity with our
free Chrome Extension!

lc_apply_tool GET EXTENSION

Similar Jobs

Want to see jobs matched to your resume? Upload One Now! Remove
Avp Credit Portfolio Sr Analyst (Underwriting)

Citigroup Inc.

Posted 1 week ago

VIEW JOBS 11/11/2018 12:00:00 AM 2019-02-09T00:00 * Primary Location: United States,Delaware,Wilmington * Education: Bachelor's Degree * Job Function: Risk Management * Schedule: Full-time * Shift: Day Job * Employee Status: Regular * Travel Time: Yes, 10 % of the Time * Job ID: 18072078 Description Citi Branded Cards North America (N.A.) is the market leader in the US credit card industry with over $85BN in receivables across 25+ million customer relationships. With a pre-eminent global brand and distribution, Branded Cards N.A. maintains its leadership position by delivering industry-leading products, advanced services and payment systems that address clients' evolving needs. The Branded Cards N.A. business is comprised of Citi Branded Cards Proprietary and partner card products including Costco, American Airlines, AT&T and Expedia. Integral to Citi Cards'success is strong and effective Risk Management that allows us to serve our customers while also protecting Citi's interests. Brands Risk Management division comprises of 440 highly qualified individuals spread across the globe. The incumbent will be managing new account underwriting strategies. This position is responsible for development and implementation of new account underwriting strategies (Credit Policy) that appropriately balances risk and reward within Risk Appetite targets. The development of underwriting strategies is fundamental to driving growth in the card portfolio and requires that policies/strategies make sense from a customer perspective, manages risk within Risk Appetite targets and maximizes marketing spend. The Incumbent will be asked to: * Lead and manage manual underwriting strategy for all acquisition channels * Identify policy improvement opportunities and take ownership of policy analytics from conception to execution, including business impact tracking * Understand operations procedures/ processes and develop efficient and effective deployment of various credit policies * Develop testing framework to evaluate effectiveness of manual review considering the value- added by analyst review * Develop credit tests and risk strategies, balancing risk-return trade-off * Develop and manage MIS reports and adhoc analyses to measure and monitor the program, interpret trends and explain key drivers * Perform descriptive and statistical analyses to validate hypothesis, interpret results/outcomes and derive business and predictive insights * Analyze and validate internal, credit bureau and other external data sources for accuracy and their effectiveness in the program * Influence senior managers and leaders with analytically driven recommendations to improve policies * Manage appropriate controls for the program, including internal and external audits and policy governance tasks * Effectively collaborate with business partners in Marketing, Execution, Finance, Data Management, Compliance and Legal to ensure flawless and timely execution and management of policies Qualifications * Bachelor's Degree required in statistics, mathematics, engineering, physics, economics, or related quantitative discipline * 3+ years experience in risk management, financial services or relevant field (or 1+ years experience with Master's Degree) * Experience with analytical or data manipulation tools (e.g. SAS, SQL, R, SPSS) * Proficient with MS Office suite * Excellent quantitative and analytic skills; ability to derive patterns, trends and insights, and perform risk/reward trade-off analysis * Good written and verbal communication skills, with ability to connect analytics to business impacts; comfortable presenting to peers and management * Ability to multi-task and work against tight deadlines * Ability to work independently with baseline instructions/guidelines from management * Understanding of basic P&Ls of Cards business Citigroup Inc. Wilmington DE

Credit Analyst

Expired Job

Fulton Financial Corporation