Commercial Credit Analyst Team Manager

Fulton Bank, N.A.; Lancaster (Lancaster County); Remote; USD 111,000 - 186,000; Full time

Job summary

A leading financial institution is seeking a Commercial Credit Analyst Team Manager. This full-time remote role involves leading a credit analysis team, overseeing credit risk management processes, and ensuring compliance with lending policies. Candidates should have extensive experience in commercial credit analysis and strong leadership skills. The position includes a competitive salary ranging from $111,100 to $185,100 annually, along with comprehensive benefits including medical and 401(k) plans.

Benefits

Comprehensive benefits package

401(k) program with employer match

Equity in the form of restricted stock units

Qualifications

• 8+ years of experience in commercial credit analysis or credit risk management required.
• 5+ years experience with financial statement analysis and loan restructuring required.
• 2+ years in leadership or management role required.

Responsibilities

• Lead and mentor a team of commercial credit analysts.
• Oversee credit evaluation process and strategic decisions.
• Conduct detailed risk assessments for commercial borrowers.

Skills

Financial statement analysis

Loan structuring

Leadership skills

Analytical abilities

Credit risk management

Communication skills

Education

Bachelor's Degree in Accounting, Economics, or Business Administration

Tools

Financial analysis software

Microsoft Office Suite

Job description

Overview

This is a full-time, remote career opportunity on our Commercial Credit team within the Fulton Bank footprint as follows: PA, NJ, MD, DE, VA, DC.

The Commercial Credit Analyst Team Manager is responsible for leading a team of credit analysts and helping to manage the credit risk for a portfolio of commercial clients. This role involves overseeing the credit evaluation process, ensuring the accuracy of financial assessments, and making recommendations for credit decisions. This role works closely with other areas of the bank including but not limited to Relationship Managers, Credit Officers, Portfolio Managers and line leadership to mitigate potential risks and optimize the performance of the bank's commercial loan portfolio.

Responsibilities

• Lead, mentor, and motivate a team of commercial credit analysts to meet performance targets and provide high-quality analysis. Conduct regular team meetings to provide updates, address challenges, and share best practices, as well as regular one-on-one meetings with employees to help mentor and coach. Foster a collaborative and performance-driven culture within the team, ensuring continuous professional growth and skill development.
• Oversee workflow distribution, prioritization, and resource allocation to ensure timely completion of credit assessments. Provide guidance to the team on complex credit situations, resolving escalated issues and making strategic decisions.
• Lead and oversee the credit evaluation process for commercial loan packages, including analyzing financial statements, preparing cash flow analysis, evaluating risk ratings, industry trends, and economic conditions.
• Conduct detailed risk assessments and determine the creditworthiness of commercial borrowers, ensuring compliance with internal lending policies and regulatory requirements.
• Review and refine credit analysis processes to improve efficiency, accuracy, and alignment with business goals. Identify areas for improvement in credit risk management practices and propose solutions.
• Monitor the quality and consistency of credit packages produced by the team, ensuring they meet organizational and regulatory standards.
• Ensure the use of appropriate credit models, systems, and tools to assess and monitor credit risk.
• Collaborate with Relationship Managers, Portfolio Managers, Credit Officers and other line leadership to ensure seamless credit decision-making and alignment with customer needs and business objectives.
• Serve as a point-of-contact for Credit Segment Leaders on credit risk issues and provide recommendations to help inform business decisions.
• Support the credit underwriting process by delivering relevant financial and risk-related information.
• Ensure compliance with all internal policies, regulatory requirements, and industry best practices related to commercial lending and credit risk management.

Additional Responsibilities

• Work closely with Management Trainees to develop credit skills and assess for future credit related positions.
• Assist in the preparation of internal and external reports for regulators, auditors, and stakeholders as needed.

Qualifications

Education
Bachelor's Degree or the equivalent experience. Specialty: Accounting, Economics, Business Administration, or other applicable. (Required)

Experience
8 or more years experience in commercial credit analysis, credit risk management, or a related field. (Required)

5 or more years experience with financial statement analysis, loan restructuring and financial forecasting. (Required)

Commercial banking real estate experience - (Preferred)

2 or more years leadership or management role. (Required)

Knowledge, Skills, and Abilities

• Strong knowledge of financial statement analysis, loan structuring and financial forecasting (Required)
• Familiarity and knowledge of commercial bank products (Required)
• Excellent leadership, coaching and team management skills (Required)
• Strong analytical and problem-solving abilities (Required)
• In-depth knowledge of credit risk management techniques and practices (Required)
• Familiarity with regulatory requirements and industry best practices (Required)
• Strong communication, interpersonal and presentation skills (Required)
• Proficiency in financial analysis software and Microsoft Office Suite (Excel, Word, Powerpoint) (Required)

Other Duties

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 compliance programs, regulations and policies and procedures, and ensuring that all compliance training assignments are completed by established due dates. This includes 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

The salary range for this position is $111,100.00 - $185,100.00 annually. 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.

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.

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.

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.