Commercial Real Estate Credit Analyst

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 within the Fulton Bank footprint as follows: DE, MD, NJ, PA, - on our Commercial Credit team supporting our Commercial Real Estate teams. The primary responsibility of this role is to develop and analyze pertinent credit and financial information on all types of loans to aid the company in making informed and sound credit decisions. Incumbents in this role will focus primarily on moderately complex credits and reaffirmation requests and may mentor junior staff. Responsibilities * Review all pertinent financial information of the borrower, assess risk of complete credit relationship including borrower, related entities, guarantors, and contingent liabilities, and offer insights and detailed reporting of the findings concerning credit worthiness to loan officer and/or loan committee. * Prepare deposit and loan summaries on customer relationships and cash flow projections on each borrower, guarantor, and contingent liability. * Review loan documentation to assess compliance with loan covenants and loan agreements, as well as to confirm compliance with bank regulation and the bank's commercial lending policies. * Prepare advanced sensitivity analyses with stressing of a multitude of variables that drive revenue and cash flow projections. * Gather appropriate information to prepare loan presentations to be presented to loan officer and/or Loan Committee. * Along with Relationship Managers, Portfolio Managers and Credit Officers, be an active participant in deal screening meetings to aid in fully vetting the credit. * Assist in gathering information required by bank examiners and internal audit and ensure that all operating policies and procedures are followed. * Research and stay current on industry trends to maintain understanding of best practices in credit analysis. * Assist in educating and mentoring temporary staff and newer Credit Analysts regarding analysis and technical skills. * Develop expertise in specific industries and provide guidance and training to other analysts and loan officers within those industries. Additional Responsibilities * May act as secretary for Loan Committee meetings. * May assist in updating and maintaining customer commitment reports, completing file work and submitting risk rating changes. * May analyze relationship profitability reports to help determine appropriate pricing for prospective loans. Qualifications Education Bachelor's Degree or the equivalent experience. Specialty: Accounting, Business Administration, or Finance. (Required) Experience 5 or more years high level credit analysis experience. (Required) 2 or more years working knowledge of bank products and types of loan structuring. (Preferred) Commercial Real Estate experience (Preferred) Knowledge, Skills, and Abilities * Strong understanding of financial statements and credit evaluation principles (Required) * Excellent analytical and problem-solving skills (Required) * Strong attention to detail and accuracy (Required) * Effective verbal and written communication skills (Required) * Knowledge of and ability to incorporate credit assessment techniques gained in fundamental credit training(s) (Preferred) 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 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. Pay Transparency To provide greater transparency to candidates, we share base salary ranges on all job postings regardless of state. We set standard salary ranges for our roles based on the position, function, and responsibilities, as benchmarked against similarly sized companies in our industry. Specific compensation offered will be determined based on a combination of factors including the candidate's knowledge, skills, depth of work experience, and relevant licenses/credentials. The salary range may vary based on geographic location. The salary range for this position is $64,700.00 - $107,900.00 annually. Additional Compensation Components This job is eligible to participate in a short-term incentive compensation plan subject to individual and company performance. Benefits Additionally, as part of our Total Rewards program, Fulton Bank offers a comprehensive benefits package to those who qualify. This includes 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. To learn more about your potential eligibility for these programs, please visit Benefits & Wellness | Fulton Bank. 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.