Contribute to the profitability and growth of Fulton Financial Corporation by building, developing and managing new and existing client relationships with businesses. 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.
- For developers, home builders and commercial property investors, provide, provide annual relationship reviews to understand client's needs and future plans in order to identify appropriate loan, deposit or other financial 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 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 such as Attorneys, Accountants, Architects, Appraisers, Community Leaders, Commercial Real Estate Brokers, 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 required financial 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. 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 loan databases, 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.
Bachelor Degree or equivalent experience. Specialty: Business Management. (Preferred)
3 or more years Commercial Credit, Business Banking, Commercial real estate banking, Real estate analysis, or real estate finance. (Required)