Fulton Bank · 9 hours ago
Commercial Real Estate Credit Analyst
Lancaster, PA
Full-time
Hybrid
Senior Level
$63K/yr - $105K/yr
5+ years expFulton Bank is committed to making a positive impact in local communities, fostering a culture of continuous learning and inclusion. The Commercial Real Estate Credit Analyst will develop and analyze credit and financial information to assist in informed credit decisions, focusing on moderately complex credits and mentoring junior staff.
BankingFinancial Services
No H1B
Responsibilities
Review all pertinent financial information of the borrower, assess risk of complete credit relationship including borrower, related entities, guarantors, and contingent liabilities, and offer insights and detailed reporting of the findings concerning credit worthiness to loan officer and/or loan committee
Prepare deposit and loan summaries on customer relationships and cash flow projections on each borrower, guarantor, and contingent liability
Review loan documentation to assess compliance with loan covenants and loan agreements, as well as to confirm compliance with bank regulation and the bank’s commercial lending policies
Prepare advanced sensitivity analyses with stressing of a multitude of variables that drive revenue and cash flow projections
Gather appropriate information to prepare loan presentations to be presented to loan officer and/or Loan Committee
Along with Relationship Managers, Portfolio Managers and Credit Officers, be an active participant in deal screening meetings to aid in fully vetting the credit
Assist in gathering information required by bank examiners and internal audit and ensure that all operating policies and procedures are followed
Research and stay current on industry trends to maintain understanding of best practices in credit analysis
Assist in educating and mentoring temporary staff and newer Credit Analysts regarding analysis and technical skills
Develop expertise in specific industries and provide guidance and training to other analysts and loan officers within those industries
May act as secretary for Loan Committee meetings
May assist in updating and maintaining customer commitment reports, completing file work and submitting risk rating changes
May analyze relationship profitability reports to help determine appropriate pricing for prospective loans
Qualification
Required
Bachelor's Degree or the equivalent experience. Specialty Accounting, Business Administration, or Finance
5 or more years high level credit analysis experience
Strong understanding of financial statements and credit evaluation principles
Excellent analytical and problem-solving skills
Strong attention to detail and accuracy
Effective verbal and written communication skills
Preferred
2 or more years working knowledge of bank products and types of loan structuring
Commercial Real Estate Experience
Knowledge of and ability to incorporate credit assessment techniques gained in fundamental credit training(s)
Benefits
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
Employee Stock Purchase Plan
Paid time off programs including holiday pay and paid volunteer time
Disability insurance coverage
Maternity and parental leave
Adoption assistance
Educational assistance
A robust wellness program with financial incentives
Company
Fulton Bank
Fulton Bank strive to have a better understanding of your financial goals, are a full-service commercial bank operating 250 branches.
1001-5000 employees
Funding
Current Stage
Late StageLeadership Team
Mark DeGrandpre
VP, of Life Sciences and Technology
Atul Malhotra
Chief Risk Officer (CRO)
Recent News
2026-01-22
2025-12-18
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