layiq

/la·yiq/adjective

worthy; deserving; fitting; suitable.

A role, opportunity, or path that merits attention, time, and pursuit.

Senior Commercial Credit Officer at Fulton Bank | LAYIQ

Provides strategic direction to the business line, develops and executes corporate policy, and partners with the Lending Teams, Specials Assets and Credit Underwriting. Develops or assists in developing policies and procedures to appropriately monitor and test all aspects of the market’s portfolio. Is responsible for local knowledge of and execution of credit action plans. Ensures adherence to the corporation's credit policy. Partner's with the workout, collection and foreclosure process Practices early identification and effective mitigation strategies on problem loans.
Provides effective, timely and transparent information on portfolio risk, management thereof, and compliance with policy and regulatory requirements to all independent third parties, including internal Loan Review and Audit as well as external bank examiners and accountants.
Reports and recommends strategies to market and corporate management in order to minimize portfolio risk and maximize return opportunities. Is responsible not only for the effective management of risk but also for the effective use of return and growth strategies while remaining in compliance with corporate policy and guidance. Monitors and reports key macroeconomic trends, local impacts and portfolio ramifications. Engaged participant in corporate credit risk and Allowance for Loan and Lease Loss qualitative review committees. Objectively carries out qualitative analysis and troubleshooting of issues that may be unique to market portfolios and may drive either growth or deterioration of portfolios. Provides recommendations to market and corporate management on how to address.
Is an active participant of Senior Loan Committee and in the underwriting of some larger and more complex commercial transactions. Is a key employee in fostering the appropriate Credit Culture for all bankers throughout the corporation. Actively participates where appropriate in customer calling in your designated markets. Creates a culture of awareness and control in the day to day activities of the lending units. Ensures that all pertinent risks have been identified and assessed, including but not limited to credit, legal, regulatory, compliance, and operational, and that appropriate controls are established in order to mitigate these risks.
Additional Responsibilities
May manage people
Actively involved with line leadership, Relationship Managers, Portfolio Managers and Analysts to formulate proper credit structure.
Participates in Loan Review, Special Assets and Watchlist activities

Responsibilities

Provides strategic direction to the business line, develops and executes corporate policy, and partners with the Lending Teams, Specials Assets and Credit Underwriting. Develops or assists in developing policies and procedures to appropriately monitor and test all aspects of the market’s portfolio. Is responsible for local knowledge of and execution of credit action plans. Ensures adherence to the corporation's credit policy. Partner's with the workout, collection and foreclosure process Practices early identification and effective mitigation strategies on problem loans.
Provides effective, timely and transparent information on portfolio risk, management thereof, and compliance with policy and regulatory requirements to all independent third parties, including internal Loan Review and Audit as well as external bank examiners and accountants.
Reports and recommends strategies to market and corporate management in order to minimize portfolio risk and maximize return opportunities. Is responsible not only for the effective management of risk but also for the effective use of return and growth strategies while remaining in compliance with corporate policy and guidance. Monitors and reports key macroeconomic trends, local impacts and portfolio ramifications. Engaged participant in corporate credit risk and Allowance for Loan and Lease Loss qualitative review committees. Objectively carries out qualitative analysis and troubleshooting of issues that may be unique to market portfolios and may drive either growth or deterioration of portfolios. Provides recommendations to market and corporate management on how to address.
Is an active participant of Senior Loan Committee and in the underwriting of some larger and more complex commercial transactions. Is a key employee in fostering the appropriate Credit Culture for all bankers throughout the corporation. Actively participates where appropriate in customer calling in your designated markets. Creates a culture of awareness and control in the day to day activities of the lending units. Ensures that all pertinent risks have been identified and assessed, including but not limited to credit, legal, regulatory, compliance, and operational, and that appropriate controls are established in order to mitigate these risks.
Additional Responsibilities
May manage people
Actively involved with line leadership, Relationship Managers, Portfolio Managers and Analysts to formulate proper credit structure.
Participates in Loan Review, Special Assets and Watchlist activities

Qualifications

Education
Bachelor's Degree or the equivalent experience. Specialty: Relevant degree pertaining to the essential duties of this role. (Required)
Experience
10 or more years
Commercial
Credit and underwriting. (Required)

Senior Commercial Credit Officer

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