Job Description:

Senior Small Business Underwriter

Job Locations

US-PA-Lancaster | US-PA-Remote

Value Proposition

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. We hire team members who raise the bar, who are collaborative and inclusive, who build relationships, and who are looking for a long-term career with Fulton Bank. We strive to promote a culture of work-life balance, to unplug and recharge to be your best self, at work and at home.

Overview

The primary responsibility of this role is to develop and analyze all types of Small Business (SB) credit information on all types of SB loan products, particularly larger and more complex applications in the Small Business Retail Segment. This job will require Board approved lending authority to act as primary decision maker on each SB loan application within the SB Retail Segment, including loan requests up to $500M and from all business types, including Agricultural, Leasing, and Non-Profits. Incumbents will use various credit scoring models in the evaluation of a borrower and be responsible for underwriting and credit decision-making.

The hours of this position are 8:00-5:00 Monday - Friday.

The position can be located within the Fulton footprint and will hybrid (a portion of the week in office and a portion remote).

Responsibilities

Analyze financial and credit information of businesses and individuals, calculate appropriate financial ratios to determine creditworthiness, ability, and willingness to repay, approve or reject credit requests, and ensure adherence to all documentation.
• Receive credit requests and applications, enter data into appropriate systems, order required supporting documentation (appraisals, records, statements), and engage internal or external resources (legal, compliance).


• Spreads financial statements using Bank software. Analyzes financial statements and related material and approves or denies the loan application. Completes cash flow projections on each borrower and guarantor.


• Analyze rent rolls and lease agreements and reviews loan documentation. Assesses risk of complete credit relationship including borrower, related entities, and guarantors. Prepares written summaries presenting facts and support for credit decisions.


• Know, understand, and apply all compliance and Bank regulations within the Small Business Lending segment. Partner with Financial Center Managers and Compliance to ensure all requirements are met.


• Identify and pursue cross-selling opportunities, respond to inquiries, consult with Financial Center staff regarding loan policy, assist in prioritization, assist junior staff with any complex loan analysis as required regardless of loan amount, and ensure compliance to all applicable rules and regulations.

Qualifications

Education

Bachelor Degree or the equivalent experience. Specialty: Business, Mathematics or other applicable. (Required)

Experience

4 or more years commercial or small business lending and/or credit analysis. (Required)

3 or more years credit administration and compliance. (Preferred)

1 or more years agricultural lending and/or credit analysis. (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.

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.

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.

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