Account Management Analyst

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.

This is a full-time career opportunity that can be hybrid or remote within the Fulton Bank footprint as follows: DC, DE, MD, NJ, PA, VA. This role will be supporting our Business Banking clients with total credit exposure up to $1 million.

Training may be required to be onsite.

Travel will be required to Lancaster, PA quarterly.

This role functions as the subject matter expert for all Account Management processes, providing assistance to both internal stakeholders and external customers. The incumbent in this role provides credit review, analysis, and credit risk management for an assigned population of accounts. Through consultation, the incumbent maintains and expands responsive relationships with necessary stakeholders to ensure operational excellence within the business unit and consistent delivery of respectable customer experiences.

• Manage credit risk for an assigned portfolio upon triggers or alerts, or for lines of credit approaching the end of the draw period. Determine impact of triggers to make recommendations for next steps in accordance with policy and procedures. Monitor delinquency and payment collection efforts through communication with Special Assets.
• Interact with necessary stakeholders on a regular basis to understand the customer’s situation and future intentions. Provide support to other areas of the business and to external stakeholders when appropriate. Act as a liaison between the customer’s relationship manager and Special Assets. Provide limited customer contact and assist in joint customer telephone conference calls when needed.
• Provide analysis of credit and financial information and decision recommendation for accounts identified as high risk or that fall outside of establish metrics. Assess credit exposure and make recommendations on structure and/or whether to suspend accounts or leave them open.
• Ensure credit review and risk rating practices are continuous, complete, and accurate. Determine the level of review required for each loan being reviewed. Present reviews with detailed/documented recommendation to management when enhanced criteria is being considered for exception approval. When applicable, will be responsible for communicating the results of the review to the customer and to operations.
• Review and decision Fixed Rate Advance, loan modification, and subordination requests; review support documentation for accuracy and completeness. Communicate with settlement agents and lenders to obtain missing requirements. Ensure that all documents prepared and/or approved for account management requests and communications with internal customers adhere to departmental approved policies and procedures.

Additional Responsibilities

• May have responsibility for the management and execution of the Small Business Trigger model
• May conduct the financial analyses on portfolio lines of credit approaching the end of the draw period, utilizing established End of Draw (EOD) criteria, to determine eligibility for renewal. Ensure that all EOD reviews completed, account management approvals, and communications with internal and external customers remain compliant with all regulatory guidance and adhere to established departmental policies and procedures.
• May have expanded role within CRM system and serve as lead contact for junior staff, internal stakeholders, and external customers when management is unavailable.

Education

Bachelor's Degree or the equivalent experience. Specialty: business administration or related field. (Required)

Experience

3 or more years consumer, commercial, or small business lending experience. (Required)

Knowledge, Skills, and Abilities

• Financial analysis (Preferred)

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.

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 $57,800.00 - $96,300.00 annually.

Additional Compensation Components

This job is eligible to participate in a short-term incentive compensation plan subject to individual and company performance.

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.

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.