This is a full-time career opportunity based out of our Stony Point location in Richmond, VA.
Contribute to the profitability and growth of Fulton Financial Corporation by building, developing and managing new and existing client relationships with small businesses with one to five million dollars in revenues. Coordinate loan, deposit and fee income products and services appropriate to the needs of the client. Seek opportunities to network.
For small businesses with one to five million dollars in revenues, provide annual relationship reviews to understand client’s needs and future plans in order to identify appropriate loan, deposit or otherfinancial service opportunities.
Utilize the Bank proposal system to provide value added options to clients.
Facilitate prompt, courteous and satisfactory problem resolution.
Take proactive, appropriate measures to retain loan and deposit balances, when desirable.
Foster a collaborative Team approach with Fulton Partners and Retail Relationship Managers to enhance client relationships.
Exemplify the delivery of a superior customer experience.
Participate in joint calling efforts for existing and prospective customers with Retail Relationship Managers, Fulton Partners and Senior Management.
Identify, source and develop prospective customers with lending, deposit and otherfinancial service needs.
Utilize Bank proposal system to share the Fulton Financial Corporation story and showcase the bank’s products, services and employees.
Identify new loan, deposit and otherfinancial service opportunities within existing client base during regular client meetings.
Ability to source a credit opportunity, negotiate mutually agreeable terms, navigate the credit underwriting and approval process, document the loan and execute the closing.
Develop strategies to attract and retain high value Centers of Influence such as Attorneys, Accountants, Community Leaders, Chamber of Commerce, EDC’s, Realtors, Insurance Agents, Title Companies.
Create value add experiences for clients and prospective clients.
Entertain clients, prospective clients and Circles of Influence in an acceptable manner that builds rapport, trust and creditability.
Active participation in sales oriented meetings and functions with colleagues, Fulton Partners and Senior Management.
Ensure credit review and risk rating practices are continuous, complete and accurate.
Gather and review all requiredfinancial and related company, industry, management data to monitor on going credit worthiness and risk rating accuracy.
Monitor management reports to address line reaffirmations, loan maturities, delinquencies, and exceptions in a timely and efficient manner.
Establish action plans for troubled credits and or work with Special Assets Department to resolve problem loans in an efficient manner to protect the bank’s investment.
Timely and proactive management of loandatabases. Watch list reports, Asset Quality reporting as directed by Senior Management.
Timely resolution to loan documentation and technical exceptions. Compliant with all regulatory and bank risk compliance matters.
Work with the team members within the Business Loan Center in the decision making process.
BachelorDegree or equivalent experience.
3 or more years Commercial Credit, Business or Commercial banking, Relationship Management, Consumer, or Small Business credit experience. (Required)
Requisition ID 2017-7300