Commercial Loan Review Officer

at Fulton Bank in Georgetown, Delaware, United States

Job Description

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.

 The primary responsibility of the position is to complete an independent review and evaluation of the credit risk for their assigned borrower/loans. The assessment will encompass, as applicable, the accuracy of the assigned risk ratings, portfolio management and loan documentation practices, adherence to internal and regulatory guidelines, and/or underwriting quality. The incumbent will be required to document support for the conclusions reached in order to validate the accuracy, completeness, and depth of their analysis. The incumbent will need to complete all required activities within the required deadlines of an established review schedule.

Responsibilities

• Complete reviews of their assigned borrower/loans within the required timeframes established in the review schedule. Work should demonstrate a level of accuracy and completeness to support all of the LRO’s findings, and be based upon the most appropriate and relevant credit analysis and internal/external policies and procedures. The reviewer’s workproduct must provide an independent assessment but where required appropriately explain the variances between their conclusions and those reached by the lending/credit department.
• Develop a complete understanding of the relevant policies and procedures for both Loan Review and Fulton Bank. Participate in departmental discussions concerning the findings within each review and where appropriate, ongoing RMA or other industry training in order to improve general credit expertise.
• If requested, assist management with sample scoping, scheduling, reporting, second review of peer workproduct, or training of new personnel.

 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.