Commercial Lender Resume Sample
Ludwig Labadie
2874 Mariano Canyon,
Boston,
MA
+1 (555) 893 2588
Work Experience
Senior Commercial Lender
06/2015
-
PRESENT
San Francisco, CA
- BB&T’s Leadership Development Program graduate or equivalent program at another financial institution, Stonier or Louisiana State University graduate, PSS III, Managing Interpersonal Relationships, Leadership Management
- Identifies and recruits prospective clients and structures new business within the bank's underwriting guidelines and all applicable government regulations
- Explains approvals or denials to the prospective loan clients
- Keeps abreast of all new regulations that effect the bank's lending policies and works with the bank's management to ensure compliance with the regulations
- Serves as a resource to clients regarding business and financial matters Business Development
- Represents the bank at community functions to enhance its image and develop new lending business
- Continuously markets the bank's lending services to the target market
Commercial Lender
12/2008
-
03/2015
Los Angeles, CA
- Closes loans in accordance with bank policy
- Assures that appropriate records are maintained and required reports are prepared
- Maintains customer account information on computer system
- Follows current loans to ensure compliance with terms and coordinates with collections
- Manages technical exceptions
- Monitors loan proceeds
- Support the bank’s strong relationship banking culture through on-going customer contact, quality customer service and superior product knowledge
- Collecting for commercial loans
Junior Commercial Lender
10/2001
-
08/2008
Boston, MA
- Maintains relationships with organizations who provide loan customers and prospects
- Manages loans through the lending process
- Cross-sells the bank's products and services to its customers Risk Evaluation
- Interviews prospective loan clients to develop information concerning their loan needs, earnings, and financial condition
- Obtains information (e.g., credit reports, background checks) needed regarding prospective loan clients
- Establishes the terms and conditions of an approved loan and reviews them with the customer
- Prepares and/or reviews all loan documents for completeness and accuracy
Education
Webber International University
1996 - 2000
Bachelor's Degree in Finance
Professional Skills
- Excellent reading, writing, mathematical and organizational skills
- Excellent interpersonal and customer service skills
- Effective negotiation and oral and written communication skills
- Or more commercial lending experience to include business development, credit underwriting, loan documentation, and portfolio management
- Two + years of experience in a financial institution
- Proven ability to spread business financial statements/tax returns, perform ratio analysis, complete risk assessment
- Demonstrated computer proficiency in software packages such as Microsoft Word, Excel and various mainframe systems
How to write Commercial Lender Resume
Commercial Lender role is responsible for credit, commercial, analytical, underwriting, finance, mainframe, retail, training, accounting, research.
To write great resume for commercial lender job, your resume must include:
- Your contact information
- Work experience
- Education
- Skill listing
Contact Information For Commercial Lender Resume
The section contact information is important in your commercial lender resume. The recruiter has to be able to contact you ASAP if they like to offer you the job. This is why you need to provide your:
- First and last name
- Telephone number
Work Experience in Your Commercial Lender Resume
The section work experience is an essential part of your commercial lender resume. It’s the one thing the recruiter really cares about and pays the most attention to.
This section, however, is not just a list of your previous commercial lender responsibilities. It's meant to present you as a wholesome candidate by showcasing your relevant accomplishments and should be tailored specifically to the particular commercial lender position you're applying to.
The work experience section should be the detailed summary of your latest 3 or 4 positions.
Representative Commercial Lender resume experience can include:
- Demonstrate a commitment to fair lending practices
- Financial statement analysis software experience
- Two to three years of experience in a financial institution as a commercial lender is required
- Analyzing and underwriting requests for new loans and loan renewals
- Ensuring complete and accurate loan file documentation
- Approve loans that meet established lending criteria and are within approved lending limits
Education on a Commercial Lender Resume
Make sure to make education a priority on your commercial lender resume. If you’ve been working for a few years and have a few solid positions to show, put your education after your commercial lender experience. For example, if you have a Ph.D in Neuroscience and a Master's in the same sphere, just list your Ph.D. Besides the doctorate, Master’s degrees go next, followed by Bachelor’s and finally, Associate’s degree.
Additional details to include:
- School you graduated from
- Major/ minor
- Year of graduation
- Location of school
These are the four additional pieces of information you should mention when listing your education on your resume.
Professional Skills in Commercial Lender Resume
When listing skills on your commercial lender resume, remember always to be honest about your level of ability. Include the Skills section after experience.
Present the most important skills in your resume, there's a list of typical commercial lender skills:
- Proven ability to communicate verbally and in writing with internal and external customers and with various levels of
- Experience in Commercial Lending
- Demonstrate ability to analyze, evaluate and mitigate credit risk by utilizing knowledge of credit fundamentals and internal credit policies
- Establish and maintain good public relations with the community to enhance the Bank’s image and develop new business
- Experience in commercial or private bank lending
- Build and maintain a strong book of business
List of Typical Experience For a Commercial Lender Resume
1
Experience For Senior Commercial Lender Resume
- Collaborate effectively with Treasury Management Sales Officers, Capital Markets, Wealth and Retail
- Price each loan and deposit product according to current Bank pricing guidelines
- Prepare month-end reporting requirements in timely fashion
- Provide superior service to existing clients
- Embrace a growth and excellence-oriented atmosphere in support of bank-wide initiatives while maintaining bank’s customer service standards
- Solicits business from potential and existing customers (outside and inside bank location) to include loans and deposits
2
Experience For Junior Commercial Lender Resume
- Underwrite loan requests within the parameters of the Bank’s policies and procedures. Ensure the loan packages are accurate and complete when submitted to the appropriate Credit partner for approval
- Manage and service assigned loan portfolio
- Ensure that all required documentation is in file for all loans and deposits
- Clear documentation or compliance deficiencies noted by Loan and Deposit Operations or other review
- Partner with Credit to properly risk grade each loan in the assigned portfolio and adjust risk grades as circumstances change or new information becomes available
- Document the credit quality, current competitive factors, or overall relationship circumstances that justify departures from the approved Bank pricing regulations
3
Experience For Experienced Commercial Lender Resume
- Remain knowledgeable of all laws and regulations governing the lending activities of financial institutions
- Ensure compliance with all applicable Bank policies and procedures, as well as all State and Federal regulations
- Resolve client problems and assists with general inquiries
- Service Quality – embrace service pledge and provide extraordinary and consistent service to all internal and external customers. Listens to and asks about customers needs
- Participates in required training, staff meetings, and lobby displays
- Timely renewal of matured loans
4
Experience For Houston Commercial Lender Resume
- Prompt identification and notification of the Chief Credit Officer of potential credit issues within the assigned credit portfolio
- Actively participates in a business development plan to increase their loan and deposit portfolio of commercial clients within a South State metro market
- Builds and maintains a positive working relationship with COI’s and others in the community to enhance the Bank’s image and reputation in the marketplace
List of Typical Skills For a Commercial Lender Resume
1
Skills For Senior Commercial Lender Resume
- Responsible for ongoing serving and credit administration functions related to assigned loan portfolio
- Flexibility in adapting to changing volumes and areas of focus (new applications versus portfolio reviews versus initiation
- Solicit business from potential and existing business customers by exercising the ability to plan and execute quality business development calls
- Make Risk Rating adjustment recommendations due to covenant violations, changing economic and market conditions, collateral conditions and guarantor conditions
- Develop consultative relationships with prospects and clients in order to add value by delivering appropriate banking solutions
2
Skills For Junior Commercial Lender Resume
- Promote services to existing and potential business members
- Prepare and present loan Credit Memorandums. This would include making written and oral reports to loan committee(s) as required
- Ensure sound analysis and adherence to prudent lending practices, procedures, guidelines, policies, regulations, and laws
- Issue commitment letters in conformity with loan approval conditions and ECU lending standards
- Oversee the loan process from application through closing. Interact with service providers to facilitate loan process
3
Skills For Experienced Commercial Lender Resume
- Monitor delinquencies and charge-offs to understand and eliminate controllable contributing factors
- Develop standards for operating efficiencies, identify and correct any internal control deficiencies
- Assist in business services training for staff
- Maintain up-to-date knowledge of relevant regulations (including BSA, Reg CC, Reg X, Reg Z, and OFAC)
- Knowledgeable of laws and regulations applicable lending practices
- Identify prospects through the Bank’s internal network as well as through external means such as cold calling, research and industry conferences
- Commercial Lending
- Analyzes applicant’s financial status and credit to determine feasibility of granting loan
- Prepares appropriate loan documentation and verifies loan agreements are complete and accurate according to bank policy
4
Skills For Houston Commercial Lender Resume
- Provides and maintains a professional, business-like atmosphere within the banking division
- Knowledgeable of laws and regulations applicable to lending practices
- Analyze applicant financial status and credit to determine feasibility of granting loan
- Prepare appropriate loan documentation and verify loan agreements are complete and accurate according to bank policy
- Provide and maintain a professional, business-like atmosphere within the banking division
5
Skills For Svp Commercial Lender Resume
- Design, create and maintain loan portfolio management reports; present updates, finding, recommendations to senior leadership as requested
- Solicit business from potential and existing business customers (outside and inside bank location)
- Analyzes applicant financial status and credit to determine feasibility of granting loan
- Develop business loan portfolio. Solicit new business
- Consult present and potential members on business loans and deposit services
- Determine appropriate product, rate, fee, and loan structure needs
- Systematically gather, evaluate and interpret data. Spread financial statements as needed. Project cash flows and interpret financial information from present and potential business
- Grade loan requests appropriately in accordance with guidelines
- Maintain, monitor, and manage all assigned loans and take action on any delinquencies
6
Skills For Relationship Mgr / Commercial Lender Resume
- Request continued documents such as financial statements from the business member in a timely manner
- Consistently review portfolio to assure all loans are graded appropriately at all times to mitigate risk
- Conduct timely annual credit reviews on assigned portfolio
- Keep abreast of changes/trends in the industry as well as the national and local economy
- Interact with employees and members to ensure service excellence
- Make regular calls to businesses and business contacts to establish relationships and to increase awareness of services provided
- Coordinate and assist with projects as requested
7
Skills For Commercial Lender, VP Resume
- Present and track required reports as directed by the Manager
- Knowledgeable of the Bank's loan policies and procedures
- General office environment that requires the extensive use of arms, hands, and fingers
- Frequently required to sit for extended periods of time, reach with arms and hands, stand, walk, stoop, talk and hear
- Handle detail oriented transactions
- Manage and maintain current business relationships for businesses ranging from $1MM to $25MM in revenues. This includes meeting with clients regularly to gain knowledge of the respective business and industry, update financial performance of the borrower, determine financial needs, and obtain referral business
- Proficiency in credit/lending transactions and analytical skill sufficient to enable independent underwriting of commercial requests for lines of small size and moderate complexity with limited guidance required from immediate manager
- Flexibility in adapting to changing volumes and areas of focus (new applications versus portfolio reviews, etc.)
- Identifies business development opportunities with prospects or current customers; markets and provides counsel on the Bank’s products and services
8
Skills For Middle Market Commercial Lender Resume
- Collects application documents and analyzes client’s financial condition; determines credit risk and makes loan structuring and underwriting decisions within approval authority; coordinates closing and the completion and review of final documents
- Monitor, maintain, and update sales activity, pipeline, and other pertinent information using the Bank’s contact management system
- Ensure commercial banking relationships are fully developed, including specific efforts to serve the retail banking needs of the clients’ owners/management/associates by partnering with Wealth Management Advisors, Private Bankers and Relationship Managers
- Cross sell bank products and originate new financing transactions
- Advise borrowers on financial status and payment methods
- Monitor risk - deliquencies, overdrafts
- Responsible for annual goals tied to loan volulme and fee income
- Aggressively call on potential and existing clients to maintain productivity and profitability in lending and non-lending relationships; successfully executes the BB&T Decathlon Sales Process and the Consultative Sales & Retention Process
9
Skills For Commercial Lender Resume
- Ensure commercial banking relationships are fully developed, including specific efforts to serve the retail banking needs of our clients’ owners/management/associates by partnering with Wealth Management Advisors, Private Bankers and Relationship Managers
- Solicits business from potential and existing customers (outside and inside bank location)
- Interviews commercial applicants and processes loan applications
- Manages a portfolio of consumer and commercial loans (primarily commercial)
- Represents the financial institution in public relations activities and community affairs
- Knowledgeable of the Bank’s loan policies and procedures
- Interview commercial loan applicants and processes loan applications
- Manage a portfolio of consumer and commercial loans (primarily commercial)
10
Skills For Senior Commercial Lender Resume
- Represent the financial institution in public relations activities and community affairs
- Analyze new loan opportunities, focusing on both fully depicting the property’s strengths and weaknesses and the financial health of the transaction’s sponsors as determined by reviewing and reconciling credit reports, tax returns, financial data, market data, appraisals, etc
- Present findings based on a comprehensive underwriting with respect to commercial loan origination criteria and credit risk parameters
- Ensure timely completion of Annual Reviews
- Manage assigned loan portfolio for retention, growth, and credit quality to include
- Actively participates in an aggressive business development plan to increase their loan and deposit portfolio of commercial clients with annual revenues of $10MM-$50MM
- Manage the flow of loan and deposit requests through the appropriate channels to ensure the credit quality, responsiveness, structure and pricing meeting the needs of the client and the operating objectives of the Bank
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