SBA Underwriter

Job Locations US-PA-Remote

Our values define us and our culture inspires us to change lives for the better. 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 local communities. We champion a culture of continuous learning, work-life integration, and inclusion. We promote a digitally enabled work environment to continuously enhance the experience of our employees and customers.

This is a full-time career opportunity that can be remote within the Fulton Bank footprint as follows: DC, DE, MD, NJ, PA, VA.

Responsible for underwriting and closing support for the Small Business Administration function, including the efficient and timely decision making in terms of credit risk and all required documents for Small Business Administration. Develops and analyzes all types of credit information on Small Business Administration loans. Works on credits for all industries and is expected to maintain competency by staying well informed and up to date on industry trends and Small Business Administration regulations and standard operating procedures. Ensures compliance with all Bank and Small Business Administration Regulations and Standard Operating Procedures.

Determines Small Business Administration eligibility on Small Business Administration loan requests. Prepares all financial documentation, analyzes and structures loans, assigns risk rating and prepares approval documents, on all types of Small Business Administration loans including more complex.
• Coordinates and prepares all documentation required regarding the Small Business Administration application, and correspondence with the Small Business Administration office. May require direct interaction with loan applicants.
• Responsible for assisting in the efficient and effective operation of the Small Business Administration Department. Assisting the Small Business Administration Relationship Managers in the underwriting, processing, and closing of Small Business Administration loans.
• Provide exemplary customer service for both internal and external customers by meeting and exceeding service level agreements.
• Maintain current knowledge of all related Small Business Administration regulation, Bank Policies and Regulatory requirements. Maintain or build relationship with Small Business Administration office, attorneys, consultants, to continue growth and development in knowledge and understanding of issues within Small Business Administration and industry.

Education

Bachelor's Degree or the equivalent experience. Specialty: Accounting, business administration, or finance. (Required)

Experience

5 or more years Working knowledge of commercial bank products and commercial credit analysis. (Required)

5 or more years Working knowledge of MS Office. (Required)

5 or more years Small Business Administration loans with loan structuring. (Preferred)

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.

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 $79,100.00 - $131,800.00 annually.

Additional Compensation Components

This job is eligible to participate in a short-term incentive compensation plan subject to individual and company performance.

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 Benefits & Wellness | Fulton Bank.

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.

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.