Business Loan Center Underwriter

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, hybrid career opportunity on our Business Loan Center team within the Fulton Bank footprint as follows: PA, NJ, MD, DE, VA, DC. 

 

Provide underwriting of commercial credit requests in the Business Loan Center (BLC). The position will have loan approval authority and will actively participate in the loan decisioning process, applying appropriate risk management strategies in compliance with the bank's risk appetite and policies and regulatory requirements.

• Actively participates as the primary decision maker in the loan decision process for the Business Loan Center Assists in the execution of the corporation and the banks' risk appetite. 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.  Ensure that loan presentations adequately assess the risks inherent in the borrower and the loan request.  Assigns risk ratings in accordance with BLC procedures.
• Responsible for efficient and timely decision making for more complex loan requests submitted to the BLC and assisting in the efficient and effective operation of the BLC.  Actively participates in communication between the Relationship Manager and customer where appropriate.  Provides guidance and feedback to RMs and credit analysts in the BLC underwriting and decisioning process. 
• Maintains thorough knowledge of Fulton's credit appetite, underwriting standards, credit quality, policies and regulatory compliance requirements in addition to systems and procedures necessary for the BLC underwriting and decisioning process.
• Partners with special assets group on problem loan identification.   Practices early identification and effective mitigation strategies on problem loans.

 

Education

Bachelor's Degree or the equivalent experience. Specialty: Business or Accounting. (Required)

Experience

7 or more years Banking /Financial experience. (Required)

 

7 or more years Commercial Credit Underwriting, Analysis and Lending authority experience. (Required)

 

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 $86,400.00 - $144,000.00 annually.

Additional Compensation Components

 

This job is eligible to receive equity in the form of restricted stock units. 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.

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.

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.