Melvin Heyward Jr is a highly experienced commercial credit analyst currently employed at Fulton Bank since April 2024, where responsibilities include managing complex commercial loan relationships and performing credit risk management. Prior to this role, Melvin served at Fulton Bank (formerly Republic Bank) in similar capacities from June 2022 to April 2024, and has extensive experience in mortgage underwriting, holding senior positions at NewRez LLC, Discover Home Equity, and Wells Fargo Home Mortgage, consistently achieving high production and quality metrics. Early career experience includes roles at Sovereign Bank and Chase, focusing on compliance, training, and sales management. Melvin's educational background includes training from Gwynedd-Mercy College and the United States Marine Corps Aviation Administration School.