Senior Credit Officer

Job Locations

US-PA-Lancaster | US-MD-Hunt Valley | US-MD-Columbia | US-PA-Philadelphia | US-VA-Richmond

Value Proposition

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. Together we are committed to making a positive impact in our local communities. We champion a culture of continuous learning, work‑life integration, and inclusion. We promote a digitally enabled work environment to continuously enhance the experience of our employees and customers.

Overview

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 and regulatory and accounting practices and policies.

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. Partners 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.

Additional Responsibilities

• May manage people.

Qualifications

• Bachelor's Degree or the equivalent experience. Specialty: Business, accounting, finance or other applicable degree field. (Required)
• 10+ years Credit and underwriting experience. (Required)
• 10+ 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 experience. (Required)

Other Duties as Assigned by Manager

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 ensuring 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.

Pay Transparency

Base salary ranges for this position are $164,600.00 - $274,300.00 annually. Additional compensation may include equity in the form of restricted stock units and a short‑term incentive compensation plan subject to individual and company performance.

Benefits

Fulton Bank offers a comprehensive benefits package to those who qualify, including 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 and a robust wellness program with financial incentives.

EEO Statement

Fulton Bank ("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.

Sponsorship Statement

As a condition of employment, individuals must be authorized to work in the United States without sponsorship for a work visa by Fulton Bank currently or in the future.