Business Loan Center Underwriter Team Manager

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 Credit team within the Fulton Bank footprint as follows: PA, NJ, MD, DE, VA, DC.

 

Manages the credit underwriting and decisioning process and underwriting team in the Business Loan Center (BLC). Responsible for the execution of Fulton's credit policy and credit underwriting oversight throughout the approval process. The position will have loan approval authority and will actively participate in the loan decision process. Responsible for maintaining an effective and efficient process, overall risk management, and adherence with bank credit standards and policy in the decisioning process.

• Actively participates in and manages the loan decision process for credit requests in the BLC. Provide oversight to BLC Underwriters in the decisioning process. Responsible for completing any necessary secondary reviews on credit decisions completed by team members.
• Assists in the execution of the corporation and the bank’s 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.
• Ensures adherence to the corporation's credit policy. Partners with special assets group on problem loan identification. Practices early identification and effective mitigation strategies on problem loans. Review and respond to underwriting issues identified by internal audit, external auditors, loan review, and compliance. Recommend and implement corrective controls and monitoring to minimize credit risk and underwriting errors.
• Provides guidance and feedback to RMs and credit analysts in the BLC underwriting and decisioning process.
• Partner with Account Management team and the Director of the BLC to monitor and assess the loan portfolio for performance trends.
• Recruit, develop, coach and mentor BLC Underwriters. Plan, assign and evaluate the work of staff, provide guidance and coaching, establish individual performance goals and objectives, monitor volume, workflow and quality, and provide performance feedback including annual performance appraisals. Conduct stay interviews, and support staff with development opportunities.
• Responsible for special projects related to credit underwriting or policy setting.
• 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.

 

Education

Bachelor's Degree or the equivalent experience. Specialty: business, accounting, finance or other applicable. (Required)

Experience

7 or more years commercial credit underwriting. (Required)

 

7 or more years commercial lending authority. (Required)

 

5 or more years prior management experience. (Required)

 

5 or more years commercial relationship management. (Preferred)

Knowledge, Skills, and Abilities

• Business acumen (Required)
• Advanced math skills (Required)
• Advanced decision making skills (Required)
• Process, procedure, compliance knowledge (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 $111,100.00 - $185,100.00 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.