Senior Manager

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 role exists to ensure effective oversight of the organization's credit quality and risk management practices. By assisting the Chief Credit Officer (CCO) in reporting to the board and credit risk committee, performing stress testing, setting loan concentration limits, and overseeing the Current Expected Credit Loss (CECL) process, this role helps mitigate financial risks, comply with regulatory requirements, and maintain a healthy credit portfolio.

Responsibilities:
Oversee the allowance and provision for loan and lease loss while ensuring that controls are in place to consistently determine the allowance is in accordance with Generally Accepted Accounting Principles, the institution's stated policies and procedures, management's best judgment, and relevant supervisory guidance.

Manage the processes and people to ensure effective and accurate ratings and treatment of troubled business loans, identify and monitor behavior of bottom percentile of the small business lending portfolio, gather behavioral characteristics of business lending portfolio to improve triggers, and identify which accounts need the most attention.

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.

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 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. Periodically review insider policies to ensure that they reflect any changes in laws or regulations.

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 and Loan Policy Exception Reporting. Periodically review insider policies to ensure that they reflect any changes in laws or regulations.

Adhere to written policies and procedures appropriate to the institution's size and its lending activities' nature, scope, and risk, and ensure the institution has adequate data capture and reporting systems to supply the information necessary to support and document its estimate of an appropriate allowance for loan and lease loss.

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. Complete departmental budget within approved budgetary guidelines.

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.

Qualifications:
EducationBachelor Degree or the equivalent experience. Specialty: Accounting. (Required)

Experience10 or more years managing asset quality and effective change management. (Required)

2 or more years implementing and/or executing CECL methodology. (Required)

2 or more years supervisory experience. (Required)

 :
May assume leadership roles on corporate wide risk committees.

 

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 $(phone number removed) - $(phone number removed) annually.

Additional Compensation Components

 

This 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 vacation 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.

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