Business Banking Resume Sample
Rupert Abernathy
7084 Auer Mews,
Phoenix,
AZ
+1 (555) 589 5729
Work Experience
Business Banking Portfolio Manager
12/2016
-
PRESENT
Philadelphia, PA
- Oversees the market’s revenue and profitability and monitors adherence to credit quality, regulatory requirements and risk protocols
- Demonstrated track record of being an effective team player and collaborator
- Accountable for accurately capturing and validating clients’ financial information, ensuring all documentation is completed in accordance with CIBC policies and procedures
- Manage Business Banking lending, underwriting and portfolio management activities with the region
- Ensures customer responsiveness, minimized credit quality costs, maintaining and monitoring profitable credit exposures and maximized contribution to economic profit
- Ensure activities support established business plans while meeting Company business development and relationship expansion objectives
- Driving the effective use of customer insight to build a better understanding of client needs, ensuring we take full advantage of HSBC’s strong market position
Business Banking
02/2012
-
10/2016
San Francisco, CA
- Execute with strong controls to ensure financial performance and adherence to risk policy and requirements, delivering timely and accurate audit work papers when required
- Business Lending Center Team
- Concurrence / Risk Management
- Special Accounts Management Unit
- Relevant banking experience
- Develop and direct the sales, marketing, and business development plan for a team of business bankers
- Source and hire high performing Business Banking Team members
Business Banking Intern
01/2009
-
08/2011
Detroit, MI
- Customers / Stakeholders
- Driving the effective use of customer insight to build a better understanding of customer needs, ensuring we take full advantage of HSBC’s strong market position to acquire quality business from our competitors
- Effective dialogue with all stakeholders across CMB and the Group
- Enhance the bank’s image in the marketplace to build key relationships with third parties and establish HSBC as the “International SME Bank.”
- Manage Business Banking Relationship Managers. Responsible for coaching and developing BBRM’s skills, support career development, performance management, and attrition in market
- Generate thoughtful analytics & recommendations concerning account management including strategy development, implementation, operational controls, and performance monitoring
- Act as a member of the Business Risk leadership team
- Work across lines of business to fully redevelop and launch new cross-LOB coordinated strategies, channels and products, enabling speed to market with strong strategy testing and controls
- Work closely with Risk Governance, Legal and Compliance to ensure policies are in compliance with laws and regulations
Education
DeVry University's Keller Graduate School of Management
2003 - 2008
Bachelor's Degree in Finance
Professional Skills
- Demonstrate sound decision making skills to protect the firm’s interest while providing a superior customer experience
- Proven sales/outside calling skills and previous experience on a base and commission type of pay plan
- Proven strong coaching and colleague development skills
- Strong Solutioning, selling and negotiation skills
- Proven ability to successfully operate in a “team” atmosphere building upon and leveraging strong internal and external network
- Prior underwriting skills in a business banking environment required
- Excellent marketing, business development/sales and negotiating skills
How to write Business Banking Resume
Business Banking role is responsible for credit, business, analysis, leadership, financial, training, underwriting, relationship, coaching, development.
To write great resume for business banking job, your resume must include:
- Your contact information
- Work experience
- Education
- Skill listing
Contact Information For Business Banking Resume
The section contact information is important in your business banking 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 Business Banking Resume
The section work experience is an essential part of your business banking 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 business banking responsibilities. It's meant to present you as a wholesome candidate by showcasing your relevant accomplishments and should be tailored specifically to the particular business banking position you're applying to.
The work experience section should be the detailed summary of your latest 3 or 4 positions.
Representative Business Banking resume experience can include:
- Detail oriented, self-starter with good interpersonal skills and clear and articulate verbal and written communication skills
- Self-starter with good interpersonal skills, clear and articulate verbal and written communication skills
- Self motivated with proven sales skills and experience
- Excellent analysis skills, attention to detail and problem solving mindset
- Advanced skills in SQL and experience either in SAS or in Python and R (advanced SAS, Python or R desired)
- Proactive, resilient with strong problem solving skills
Education on a Business Banking Resume
Make sure to make education a priority on your business banking resume. If you’ve been working for a few years and have a few solid positions to show, put your education after your business banking 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 Business Banking Resume
When listing skills on your business banking 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 business banking skills:
- Demonstrates strong credit skills and the ability to shape complex financial solutions
- Proven effective presentation and negotiation skills
- Excellent diagnostic skills and rigorous approach to problem solving
- Strong Leadership and team-working skills at senior executive level
- Good independent decision-making skills, but requires some management oversight
- Excellent communication and influencing skills with individuals at all levels, internally and externally. Active and visible in community leadership roles
List of Typical Experience For a Business Banking Resume
1
Experience For Business Banking Portfolio Manager Resume
- Prior Business Banking Credit Underwriting or Commercial Banking Credit Underwriting Experience Required
- Banking experience, ideally within lending
- Proven success in consistently meeting or exceeding sales goals
- Continually enhances team performance through effective recruiting, coaching, development, and performance management activities
- Strong understanding of financials and financial statements
- Experience supervising a contact center or production environment with inbound sales
- Prioritize recurring and targeted reviews of high risk/ high exposure business transactions
- Eight to ten years of business banking experience
2
Experience For Business Banking Specialist Resume
- Lending experience
- Manage the impairments for the Province’s business and ensure that no avoidable provisions are raised due to non-adherence and to ineffective management
- Experience in Regulatory and Compliance projects would be advantageous but not compulsory
- Build strong relationships with our clients
- Is an integral member of the Southwest leadership team and develops strong relationships the leaders of the business and key support partners and other MEs/MMs
- Ensuring focus on identifying and closing cross sell product opportunities, and acquiring new customer relationships within the assigned branches
3
Experience For Provincial Head Absa Business Banking Resume
- Providing coaching and managing to the team around DRIVE sales activities and expectations
- Developing management reports using industry standard reporting tools (SAS, Cognos, or Tableau)
- Working knowledge of economic conditions and political events affecting Small Business and Commercial Banking
- Building and leveraging relationships with specialists for the best customer outcomes
- Collecting and documenting business intent requirements in order for the technology team to provide a solution to meet the banker’s need
4
Experience For Business Banking Team Leader Resume
- Sourcing prospects and developing new customer relationships,
- Testing and reconciliation of Risk data with Finance data. Adhere to firmwide reporting controls and governance to address variances and gaps
- Coaching the team to work with a structured sales disciplines
- Continuing education in bank- related courses
- Providing financial advice to customers,
- Selling appropriate bank products and services to those prospects and clients, and
- Networking with centers of influence and other referral sources
- Negotiating with underwriters and clients to maximize revenue and minimize risk
- Understanding CMCC’s financial and non-financial goals and how to contribute to them
5
Experience For Head of Conduct & Control, Business Banking Resume
- Managing loan and portfolio credit quality,
- Review credit requests, including loan structuring, negotiating/pricing, collateral, ensuring adequate loan documentation, and analyzing industry/credit risk
- Assures portfolio is appropriately risk rated at all times. Generates risk rating changes forms for upgrading or downgrading lending relationships as needed
- Participate in internal credit/deal structuring meetings and develop an understanding of the Business Banking deal making process
- Responsible for expanding, building, and maintaining client relationships, providing the highest level of customer service. Cross sell other bank products
- Assist in controlling and budgeting Non-Interest Expenses (NIE’s) for Business and Personal Banking,
- Assist with the monitoring of the loan maturity and loan delinquency reports and alerting Business Bankers and Credit Analysts of upcoming maturities
6
Experience For Business Banking Relationshp Manager Resume
- Basic knowledge of knowledge of credit analysis; spreading and analyzing financial statements; credit scoring; loan documentation
- Embrace the Business Banking Africa’s cost reduction policy by managing the Province’s expenses within Cost Budget
- Conducts covenant testing on lending relationships where covenants are required to be tested per the loan and credit agreement and/or credit approval
- Need statement regarding reporting expectations each month, in terms of productivity, referrals, etc
- Conduct covenant testing on lending relationships where covenants are required to be tested per the loan and credit agreement and/or credit approval
- Assist with research/audit requests by locating and reporting files and other financial information
7
Experience For CCB Risk-business Banking Resume
- Assist the Business Banking Director of Operations on ad hoc projects related to process improvement, technological advancements and ongoing sales support
- Provide high quality customer service as well as assist business banking officers in cultivating new relationships
- Create organic growth in commercial deposits and fee income using solution selling techniques to reach annual sales goals
- Background in Statistics (Test Design building, Sampling, Descriptive desired)
- Proficiency in using a Risk Based and Relationship Based Pricing Model
- Manage a team of RMs who serve the banking needs for a particular territory and/or industry, ensuring a high level of customer satisfaction and retention
8
Experience For Business Banking Market Manager Resume
- Develop and lead the business banking team to increase the number of full service relationships in the assigned market area
- Support team and other bank partners to manage existing client relationships
- Utilizes financial and other data to ensure early detection of potentially deteriorating credit quality within assigned loan portfolio
- Prepares Business Banking Quarterly Portfolio Review for Business Banker presentation
- 4,700 customer-facing bankers and advisors in 980 Chase retail branches
- Identify and implement improvements driving issue resolution/risk mitigation activities
- Assist with information gathering and application process of new loans
- Assist with training of new hires/mentors
9
Experience For Business UAT Lead-business Banking Resume
- Customer Retention/ Cross-Selling Bank Products (20%)
- Retention & Cross-Selling
- Monitors the credit relationship, maintains covenant compliance and obtain updated financial information on the existing loan portfolio
- Prepare Business Banking Quarterly Portfolio Review for Business Banker presentation
- Partner with the modeling and list execution teams as needed
- Proactively work with assigned BBOs in the collection of financial statements and clearing documentation exceptions for credits $1MM and greater
- Recommend appropriate approval authority to decision credits in Business Banking
- Reports to the Business Banking Southwest Regional Executive
10
Experience For Business Banking Portfolio Admin Resume
- Is responsible for strategically allocating resources in the market
- Adhere to pricing discipline and credit quality standards to ensure profitability of portfolio
- Mentor and Oversee the Business Banking Credit Specialists
- Assist with on-going development and maintenance of credit policy and procedures
- Assist with management of on-going work flow within department
- Coordination with branch partners in maximizing sales efforts and cross sales
List of Typical Skills For a Business Banking Resume
1
Skills For Business Banking Portfolio Manager Resume
- Strong leadership skills and demonstrated ability to provide Simply the Best customer service
- Strong aptitude for problem solving with above-average analytical skills
- Strong lending and credit skills
- Four years of managing a small business portfolio along with excellent business development skills
- Possess strong leadership and team-building skills
- Strong financial analysis skills with a focus in credit underwriting
- Excellent comprehension skills to understand and interpret industry data and economic trends
2
Skills For Business Banking Specialist Resume
- Strong formal presentation skills to gain acceptance to solutions, both internally and externally
- Strong credit skills, ability to drive business in partnership with client teams in the $5-$50MM+ segment
- Strong decision-making, communications, business development and interpersonal skills
- Excellent interpersonal and verbal, written and presentation communication skills
- Solid analytic and negotiation skills
3
Skills For Provincial Head Absa Business Banking Resume
- High Level of Customer Service skills with proven ability to deliver on Legendary
- Acting as a subject matter expert to effectively partner with a matrix complex team to achieve desired outcome or improvement
- Proven depth of experience in leading, coaching, inspiring and developing relationship team
- Demonstrated ability successfully operating in a “team” atmosphere building upon and leveraging strong internal and external network
- Prior experience leading business banking/commercial banking sales team
- Provide sales coaching and ongoing mentoring for Market Leaders in the areas of business, human and commitment skills
- Proven experience working in a matrix organization and developing partnerships across business lines
- Experienced in building presentations (Pitch Pro experience desired) and comfortable speaking with all levels of management
4
Skills For Business Banking Team Leader Resume
- Solid understanding and previous experience working with Business Financial Statements
- Seven or more years of experience in a business banking relationship management role or related business lending experience; direct in-person contact required
- Highly developed coaching skills
- Strong business credit acumen and has experience holding credit limits in a previous role
- Prior management/coaching/leadership experience
5
Skills For Head of Conduct & Control, Business Banking Resume
- Demonstrate ability to coach the process of identifying customer needs and implement an effective solution in a rapid growth environment
- Mandarin language skills is essential
- Team creation and co-ordination skills to mobilise and manage product specialists
- Demonstrated ability to develop strong customer and colleague relationships
- Superior organizational and presentation skills for internal and external purposes
6
Skills For Business Banking Relationshp Manager Resume
- Superior credit and risk analysis skills
- A Strong Team player with proven ability to multi-task and work within a fast paced environment
- Strong current business network; viewed as a leader in community organizations with demonstrated business acumen
- Effectively communicate as the key point of contact with the Market Managers to maintain a cohesive and productive partnership for their respective groups
- Working knowledge of the marketplace in which the bank operates
7
Skills For CCB Risk-business Banking Resume
- Experience in commercial lending / business banking lending / small business lending (either production or credit roles)
- At least 5 yrs banking RM related working experience in business or commercial banking coverage
- Business Banking or construction lending experience
- Seven or more years commercial/business banking or related business lending experience
- Business development experience including small business lending
- Strong understanding of financial services, deposits and lending products, and the system development life cycle
- Post-secondary education/training and relevant experience in Marketing
8
Skills For Business Banking Market Manager Resume
- Experience in credit analysis or risk underwriting in the banking industry
- Experience with motivating a sales group and meeting goals
- Experience in developing revenue strategies to grow the business in a business lending / credit environment
- Business Banking underwriting, portfolio or Relationship Management experience
- Credit/underwriting experience
- Experience leading a team to achieve sales results
- Strong knowledge of banking deposit / credit products and services
9
Skills For Business UAT Lead-business Banking Resume
- Retail branch experience, preferably as an AMSB and/or Area Manager Business Banking
- Manage multiple and competing priorities in pursuit of business objectives
- Credit sales/underwriting experience
- Meet with bankers regularly for planning, status updates and priorities
- Banking experience
- Demonstrated ability to successfully structure complex credit requests that minimize risk while providing client value
- Experience working with small business clients with revenues up to $5M
- Proven proficiency in Accounting
- Commercial banking experience
10
Skills For Business Banking Portfolio Admin Resume
- Proven ability in achieving results through relationship management and customer delivery
- Understanding & experience of the Software Delivery Lifecycle following waterfall and agile methodologies
- Business Delivery and Operational Effectiveness: Credit and Account Assessment Guidance
- Experience in Banking industry including work with Risk, Controls and Compliance
- Commercial Lending, Business Development, Commercial Credit and Portfolio Management experience in the business banking or middle market sector
- Consultative selling and profiling experience
List of Typical Responsibilities For a Business Banking Resume
1
Responsibilities For Business Banking Portfolio Manager Resume
- Manage the Province’s financial planning process, including 3-year MTP, 1-year STP, and a regular programme of forecasting to ensure all plans to reflect meaningfully the business levers and metrics that are targeted
- Instill a culture of discipline around relationship management, calling protocols, prospecting strategies focused on client selection, profitability, customer experience, and risk management
- Developing skills and competencies of their team while maintaining optimum staffing occupancy
- Experience with SAS, SQL data environments report writing tools and understanding of complex data relationships
- Experience leading firm wide or cross LOB initiatives in the firm
- Proven track record of working well in a team environment
- Business Banking experience or knowledge
2
Responsibilities For Business Banking Specialist Resume
- Experience in Business Banking
- Banking experience
- Comfortable working in a fast pace environment and have a proven history of success
- Experience in Business / Commercial Lending
- Business Development experience selling to a broad range of industries and a breadth of company sizes
3
Responsibilities For Provincial Head Absa Business Banking Resume
- Experience leading a team to achieve sales results
- Experience Business/Commercial Banking
- Experience within commercial lending, with expertise in SBA programs
- Demonstrated knowledge of MS Office applications, including Word, Excel, and PowerPoint
- Ten or more years of community/commercial banking experience
- Proven ability to execute Business Banking strategic plans
- Experience working with and refining automated scoring systems
- Proven ability to develop a business strategy and implement with success
4
Responsibilities For Business Banking Team Leader Resume
- Has responsibility for being the primarily point of contact for initiating and coordinating the closing process
- Partners with Credit Center associates for credit underwriting, processing, closing and portfolio maintenance
- Thorough knowledge of the lending and credit approval process for business banking loans, as well as alternative lending programs
- Ensures proper documentation and organization of Business Banking credit files
- Negotiates terms, conditions and pricing with customers to reach terms that accommodates their needs and is acceptable and profitable to the bank
- New business in checking, savings, credit and cash management
- Business Banking sales and product knowledge
- Proficient knowledge of Microsoft Word, Excel, Access and Outlook Windows based programs including e-mail
5
Responsibilities For Head of Conduct & Control, Business Banking Resume
- Business Banking sales and product knowledge required
- Indirectly influence managers and colleagues contributing to common SBA goal
- Knowledge of loans, credit and/or related lending processes and procedures
- Proficiency in MS Office including Outlook, Excel, Word and Access
- Highly proficient in MS Office tools including Outlook, Excel, Word, and Powerpoint
- Travel occasionally for key business meetings and training
- Conflict Management and Resolution(Working)
6
Responsibilities For Business Banking Relationshp Manager Resume
- Travel occasionally for key business and leadership meetings and training
- Oversees the region’s revenue and profitability and monitors adherence to credit quality, regulatory requirements and risk protocols
- Coaching the team to work with a structured sales discipline through the CIS principles and building and leveraging relationships with specialists for the best outcomes for the customer
- Face off against business and product groups internally representing Risk’s interests
- Management of your teams to ensure the achievement of optimal and sustainable financial performance against target
- Develops new-to-bank business relationships as well as cross-marketing of services to existing clients through segment-based sales plans to achieve revenue growth targets and maximize operating capabilities and profitability
- Perform additional responsibilities assigned by the Business Manager and Market Managers
- Business management; whether your own business, or someone else’s
- CPA certification an advantage.
7
Responsibilities For CCB Risk-business Banking Resume
- Client Performance Management (35%)
- Sales Support and Partnership (15%)
- Implement the firm’s risk appetite across the various industries we serve and in all geographic locations covered. Ensure appropriate Risk Grading and Loss Given Default assignments to all credits
- Fluent English and Native Mandarin
- Sound knowledge of trade finance products, especially trade and credit facilities
- Develop and oversee the resources and workflow process for their team to manage Time to Money for new and renewed deal flow and other portfolio management related activities so that all benchmarks and expectations are met
- Partner with the CBB BMO Leads to drive consistent business management practices, development of KPI’s, setting logical key performance measures and reporting driving towards continuous improvement in accuracy and control
8
Responsibilities For Business Banking Market Manager Resume
- Collaborate with the Regional AVP’s, other Business and Personal Banking team members, and Learning & Development department to develop and implement required product/services, financial advice, and sales training
- Ensure full Business Banking and Cash Management team understands CWB’s strategy and vision and how each role contributes to it
- Serves as support contact for lending relationships, and closely communicates/escalates all critical issues to the assigned Business Banker/Business Banking Sales Team Manager/Business Banking Credit Officer as needed
- Manages payment delinquencies, past due insurance renewals and real estate tax payments
- Actively maintains the Bank’s tickler systems
9
Responsibilities For Business UAT Lead-business Banking Resume
- Collects financial information in line with applicable loan agreements. Prepares information follow-up letters and communicates with clients to collect this information
- Manages potential default situations in accordance with Bank procedure
- Proactively manages criticized assets with heightened level of documented client communication and interaction, and establishes acceptable actions plan to address identified concerns
- Prepares Criticized Asset Report (CARs) forms for presentation at quarterly Criticized Asset Committee (CAC) meeting. Prepares Line Criticized Asset Reports (LCARs) for those loans that fall below the CAC threshold
- Transfers criticized assets to the Workout and Recovery department (WAR) when applicable
- Orders appraisals and completes appraisal reviews for criticized assets/modifications/renewals, or as otherwise required by a Business Banking Credit Officer and/or Management
10
Responsibilities For Business Banking Portfolio Admin Resume
- Facilitates new money transactions by monitoring request from time of commitment letter acceptance through closing. This shall include, but is not limited to, working with the Business Banker and Loan Administration to ensure smooth and timely transition from application to closing
- Three Regional Directors (Managing Director positions, 2 down from Consumer Bank CEO)
- 60 Market Directors - Banking (Executive Directors)
- 25Market Directors – Wealth Management (Executive Directors)
- $230B of Deposit and Investment balances
- Client Quality: Ensuring the team is pro-actively monitoring the credit quality of their clients through monitoring client’s compliance with ongoing required reporting and properly analyzing financial information. Partnering with the credit team to review special loan requests and make recommendations to clients, as needed
- Experience in business banking lending
- Sales management experience in leading a sales team in either financial services or business to business sales where there is significant focus on client/relationship management
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