[Remote] Account Management Analyst

Note: The job is a remote job and is open to candidates in USA. Fulton Bank is hiring an Account Management Analyst to support Business Banking clients with total credit exposure up to $1 million. The role provides credit review, analysis, and risk management for assigned accounts, while coordinating with internal stakeholders and external customers to support sound account decisions and customer service.

Responsibilities

• 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
• 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
• This role may perform other job duties as assigned by the manager

Skills

• Bachelor's Degree or the equivalent experience. Specialty: business administration or related field
• 3 or more years consumer, commercial, or small business credit experience
• 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
• Financial analysis

Benefits

• This role is eligible to participate in a short-term incentive compensation plan subject to individual and company performance.
• Hybrid or remote work within the Fulton Bank footprint: DC, DE, MD, NJ, PA, VA.
• For those who qualify: medical plans with prescription drug coverage.
• For those who qualify: flexible spending account or health savings account depending on the medical plan chosen.
• For those who qualify: dental and vision insurance.
• For those who qualify: life insurance.
• For those who qualify: 401(k) program with employer match.
• For those who qualify: Employee Stock Purchase Plan.
• For those who qualify: paid time off programs including holiday pay and paid volunteer time.
• For those who qualify: disability insurance coverage.
• For those who qualify: maternity and parental leave.
• For those who qualify: adoption assistance.
• For those who qualify: educational assistance.
• For those who qualify: a robust wellness program with financial incentives.

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