Senior Manager of Credit Risk & Analytics

Fulton Bank

  • Pennsylvania
  • $139,300-232,200 per year
  • Permanent
  • Full-time
  • 22 days ago
Value Proposition:Our values define us and our inspires us to Our employees are the heart and soul of our company, and every success we experience begins with them. Together we are committed to making a positive impact in our We champion a culture of and . We promote a digitally enabled work environment to continuously enhance the experience of our Overview:This is a full-time career opportunity that can be remote within the Fulton Bank footprint as follows: DC, DE, MD, NJ, PA, VA.This role is responsible for ensuring robust oversight of the organization's credit and portfolio risk management practices. By supporting the Chief Credit Officer (CCO) in reporting to the Board and Credit Risk Committee, conducting stress testing, and establishing loan concentration limits, the role plays a critical part in mitigating financial risk, ensuring regulatory compliance, and maintaining a sound and balanced credit portfolio. Responsibilities:
  • Design and lead Credit data strategic initiatives to enhance our data ecosystem including data management, transformations, and governance to advance data capabilities and streamline Credit Risk reporting.
  • Improve and drive data quality and governance strategies by ensuring best practices for data solutions used across all Credit functions and partnering departments.
  • Become subject matter expert of enterprise data sources and platforms used by the Credit organization and partner departments, and enable Credit data users and analysts to effectively utilize these data sources for analytics and reporting.
  • Drive continuous improvement of Credit data environment and reporting tools and systems to ensure completeness, accuracy, and timeliness of reporting.
  • Design, develop, and implement Credit Risk reporting platforms, with set guidelines and industry best practices.
  • Monitor credit portfolios and identify potential risk. Use behavioral characteristics to determine likelihood of non-accrual and charge off status, monitor and manage credit concentrations within the business lending portfolio, and oversee portfolio stress testing and loan portfolio concentrations limits, setting the limits as appropriate based on risk assessment.
  • Oversee management reports with the focus of identification of credit risk by market, industry and commercial real estate properties, line of business and loan segments. Oversee the Asset Quality Reporting.
  • Develop monthly management report on asset quality by line of business, industry and CRE property type for board and risk committees.
  • Monitor and respond to all audits. Participate in Credit Risk Management Committee or related corporate risk oversight committees.
  • Prepare reports on credit risk exposure, trends, and performance for internal stakeholders, senior management, and regulatory
  • authorities while striving for continuous improvement on data management and reporting.
  • Effectively manage staff, provide guidance, coaching and training resources, establish individual goals and objectives, monitor volume, workflow and quality, and provide performance feedback including annual performance appraisals. Conduct stay interviews, and support staff with development opportunities.
  • Manage and ensure that the bank’s operating procedures and information systems are adequate to enable management to comply with laws, regulations and board established policies regarding insider activities. Ensure the portfolio concentrations and loan stress testing comply are in accordance with relevant supervisory guidance.
  • Ensure that policies adequately address the consequences of breaches of fiduciary duty, unethical conduct, violations of law, or suspected criminal activity and contain effective internal reporting mechanisms as well as suspicious activity report filing processes.
Additional Responsibilities
  • May assume leadership roles on corporate wide risk committees.
  • May assume leadership roles in data governance.
Qualifications:EducationBachelor's Degree or the equivalent experience. Specialty: accounting or other applicable. (Required)Experience10 or more years experience in data integrity, credit analytics, and assessing credit risk for commercial and consumer loan portfolios. (Required)3 or more years programming in Python. (Required)3 or more years experience in PowerBI and AWS. (Preferred)Knowledge, Skills, and Abilities
  • Able to effectively explain analysis, both verbally and in writing, to others and translate analysis into business impact (Required)
  • Able to lead in thought and action, build senior leadership confidence and add organizational value, build and maintain long-term associations based on trust (Required)
  • Proficient in Microsoft Office (Required)
Other Duties as Assigned by Manager: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. Pay Transparency:To provide greater transparency to candidates, we share base salary ranges on all job postings regardless of state. We set standard salary ranges for our roles based on the position, function, and responsibilities, as benchmarked against similarly sized companies in our industry. Specific compensation offered will be determined based on a combination of factors including the candidate’s knowledge, skills, depth of work experience, and relevant licenses/credentials. The salary range may vary based on geographic location.The salary range for this position is $139,300.00 - $232,200.00 annually.Additional Compensation ComponentsThis job is eligible to receive equity in the form of restricted stock units. This job is eligible to participate in a short-term incentive compensation plan subject to individual and company performance. Benefits:Additionally, as part of our Total Rewards program, Fulton Bank offers a comprehensive benefits package to those who qualify. This includes medical plans with prescription drug coverage; flexible spending account or health savings account depending on the medical plan chosen; dental and vision insurance; life insurance; 401(k) program with employer match and Employee Stock Purchase Plan; paid time off programs including holiday pay and paid volunteer time; disability insurance coverage and maternity and parental leave; adoption assistance; educational assistance and a robust wellness program with financial incentives. To learn more about your potential eligibility for these programs, please visit . 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. 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.

Fulton Bank