Commercial Portfolio Manager

Fulton Bank; Richmond (VA); Hybrid; USD 77,000 - 129,000; Full time

Job summary

Fulton Bank is seeking a Commercial Portfolio Manager to join their Commercial Credit team in Richmond, VA. This hybrid role involves actively managing and monitoring the quality of commercial credit relationships, requiring strong analytical skills and experience in credit analysis. Candidates with a Bachelor's degree and extensive experience in commercial credit, especially real estate, are encouraged to apply.

Benefits

Comprehensive benefits package

401(k) program with employer match

Paid time off programs

Educational assistance

Qualifications

• 5 or more years in Commercial Credit or equivalent experience.
• Experience in Commercial Real Estate is preferred.

Responsibilities

• Monitor portfolio quality of commercial credit relationships.
• Support Relationship Managers through underwriting and risk assessment.
• Conduct loan portfolio concentration and trend analysis.

Skills

Credit analysis

Financial analysis

Relationship management

Education

Bachelor's Degree in Finance, Economics, Business Administration

Job description

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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 Commercial Credit team supporting our Commercial Real Estate teams within the Fulton Bank footprint as follows MD, VA, DC.

Primary responsibility is to actively monitor the portfolio quality of assigned commercial businesses' credit relationships including gathering, analyzing and underwriting all business and personal financial data collected for the purpose of issuing, extending, amending, reviewing, monitoring and testing a commercial credit facility for complex and high valued loans and maintaining direct contact with clients in the management of these relationships. Expected to liaise between all parties to ensure timely and efficient analysis that meets the expectations of the Borrowers, Relationship Managers and Credit Officers. Works closely with and assists the Credit Analysts to meet SLA timelines.

• Support Relationship Managers through underwriting, policy knowledge, credit structuring, and risk assessment in complex credit request packages. Ensure packages are complete, accurate and thoroughly documented. Coordinate meetings to discuss new loan requests, renewals, current and adequate financial statement collection, risk rating assessments, past dues, pipeline and call preparation.
• Engage in ongoing direct dialogue with clients focusing on the credit relationship.
• Provide credit management support to the RM to include Watchlist reporting, AQR package completion, and loan review interaction. Monitor covenant testing, financial collection and annual line reaffirmation/term loan review process with associated accounts.
• Complete industry specific underwriting including analysis and industry sub-sector trends.
• Facilitate timely receipt of current and adequate financial statements. Analyze financial statements and document client performance, conduct annual credit review meetings with clients along with identified risk and risk factors.
• Conduct loan portfolio concentration and trend analysis. Generate industry and market analysis reports for production and credit staff. Monitor and assess the loan portfolio for performance trends. Manage data integrity of all data inputs and outputs. Review and update loan systems information to ensure accuracy.
  
  
  

Education

Bachelor's Degree or the equivalent experience. Specialty Finance, Economics, Business Administration. (Required)

Experience

5 or more years Commercial Credit or equivalent. (Required)

Commercial Real Estate (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 $77,100.00 - $128,600.00 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.

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.

Seniority level

• Seniority level

  Mid-Senior level

Employment type

• Employment type

  Full-time

Job function

• Job function

  Finance and Sales

• Industries

  Banking

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