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.
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.
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