Contribute to the profitability and growth of Fulton Financial Corporation by building, developing and managing new and existing client relationships. Typically deal with the largest and most complex real estate loans for customers with credit requirements exceeding 10 million dollars. Coordinate loan, deposit and fee income products and services appropriate to the needs of the client. Seek opportunities to network and develop key centers of influence.
- Manages a large commercial portfolio with more complex and or high profile relationships of businesses with five to fifty million dollars in revenues. Provide annual client relationship reviews to identify additional loan, deposit or other financial service opportunities. Work with team members and Senior Management to assist with the administration and relationship management of larger relationships and commercial credits. 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 RM’s 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 other financial 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 other financial 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 including 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 COI’s 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 ongoing credit worthiness and risk rating accuracy. Monitor management reports to address line reaffirmations, loan maturities, delinquencies, exceptions, in a timely and efficient manner. Participate in loan committees when required as a Permanent member, Alternate member or presenter. 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 Community Reinvestment Act, Fair Lending, Bank Secrecy Act, Regulation B, Regulation O, Regulation Z.
Bachelor Degree or the Equivalent Experience or equivalent experience. Specialty: Business Management. (Required)
7 or more years Commercial Credit, Business Banking, Commercial banking, Branch Management or related Department. (Required)