Commercial Loan Officer Resume Sample
Guiseppe Macejkovic
8864 Schmidt Common,
Houston,
TX
+1 (555) 657 1966
Work Experience
VP, Commercial Loan Officer
06/2016
-
PRESENT
Boston, MA
- BB&T’s Leadership Program graduate or equivalent program at another financial institution, PSS III, Managing Interpersonal Relationships, Leadership Management
- Experience in managing a commercial loan portfolio with a proven track record in sales ability/aptitude and business development
- Demonstrated skills in organization, flexibility in scheduling and resourcefulness are required
- Travel to develop and maintain customer base, ability to produce various documents on industry-related software required
- Excellent verbal, written and interpersonal communication and skills
- Excellent PC skills, including word processing and spreadsheets via Microsoft Office products as well as custom applications systems
- Good credit knowledge of Bank’s credit underwriting policies and approval process for assigned loan
- BB&T’s Leadership Development Program graduate or equivalent program at another financial institution
- Interviews loan applicant and requests necessary information required to complete the loan application process
Commercial Loan Officer
03/2014
-
05/2016
New York, NY
- Requests applicant credit reports, background checks, reference checks, and other information pertinent to loan applicant's evaluation. Analyzes applicant financial status, credit, and property evaluation to determine feasibility of granting loan
- Corresponds with or interviews applicant and/or creditors to resolve questions regarding application information
- Compiles loan package, submits to loan committee for approval when appropriate, and facilitates negotiation of loan structure, with applicant, including fees, loan repayment options and other credit terms
- Approves loan within specified limits or refers loan to loan committee for approval
- Identifies and analyzes potential loan markets to develop prospects for commercial loans
- Adheres to policies and procedures and makes proactive business decisions that limit the organization’s financial, regulatory, legal and reputational risks. Risk and compliance accountability in the employee’s purview is strong; adverse findings in audit, compliance, regulatory, quality control, loan and other reviews are minimal
- Participates in developing lending and deposit business for the company. Calls on clients to expand existing business; calls on prospects seeking opportunities to expand the company's client base
- Participated in company-sponsored and CRA activities that serve to support the mission and values of the organization, or devote time to an outside organization that respectably represents involvement of our staff members in the community and establishes a valuable partnership with our company. Actively seek out and pursue CRA eligible loans for BSJ. Additional Responsibilities
Agribusiness Commercial Loan Officer
07/2007
-
11/2013
Phoenix, AZ
- Proven sales experience in commercial lending or insurance
- Established track record in an outbound or inbound originations environment
- Present loan recommendations to appropriate approval authorities (Internal Loan Committee and Director’s Loan Committee)
- Actively seeks out, identifies and solicits commercial loan business consistent with the bank’s objectives to increase the commercial loan portfolio
- Conduct business development calls as defined in the bank’s business development call program
- Manages individual loan portfolio through aggressive collection techniques and restructuring of problem loans to minimize loss of principal and interest
- Reviews existing loan portfolio for documentation exceptions and periodic financial statements to maintain established quality standards consistent with bank policy
Education
Grand Valley State University
2002 - 2007
Bachelor's Degree in Business
Professional Skills
- Strong commerical real estate financial underwriting skills
- Demonstrated sales and business development skills
- Strong commercial real estate project due dilligence skills
- Ability and willingness to learn on the job and improve commercial lending-related skills
- Good analytical, credit analysis and loan structuring skills
- Capital markets experience with non-bank lending platforms
- Adaptability: Adapt positively to change; manage competing demands and effectively handle changes, delays and/or unexpected events with a positive attitude
How to write Commercial Loan Officer Resume
Commercial Loan Officer role is responsible for credit, analysis, lending, scheduling, finance, retail, training, reporting, insurance, travel.
To write great resume for commercial loan officer job, your resume must include:
- Your contact information
- Work experience
- Education
- Skill listing
Contact Information For Commercial Loan Officer Resume
The section contact information is important in your commercial loan officer 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 Loan Officer Resume
The section work experience is an essential part of your commercial loan officer 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 loan officer 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 loan officer position you're applying to.
The work experience section should be the detailed summary of your latest 3 or 4 positions.
Representative Commercial Loan Officer resume experience can include:
- Two to five years of similar or related experience, including time spent in preparatory positions
- Professional experience in Commercial Lending required
- Working knowledge of MS Office, including Word and Excel
- Prepare initial sizing and underwriting on new loan opportunitites
- Maintain an ongoing relationship with existing customer base
- Assist with loan closing documentation and execution
Education on a Commercial Loan Officer Resume
Make sure to make education a priority on your commercial loan officer resume. If you’ve been working for a few years and have a few solid positions to show, put your education after your commercial loan officer 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 Loan Officer Resume
When listing skills on your commercial loan officer 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 loan officer skills:
- At least five years of experience in commercial lending
- Commercial lending or sales experience
- Prioritize work and juggle multiple simultaneous projects
- Valid driver’s license and personal transportation
- Prioritize, meet deadlines, and handle multiple tasks simultaneous in a fast-paced, diverse, and growth-oriented environment
- Related CRE experience
List of Typical Experience For a Commercial Loan Officer Resume
1
Experience For VP, Commercial Loan Officer Resume
- Disclosure requirements are completed within Federal Time Limitations
- Examines and evaluates applicant’s credit and financial history. This duty is performed daily, about 10% of the time
- Takes applications for commercial loan business. Reviews customer financial condition and assesses the customer’s ability to re-pay the loan. Makes underwriting decisions within approval authority. Completes or directs completion of all loan documents and closes loans
- Participates in developing lending and deposit business for the company. Calls on clients to expand existing business; calls on prospects seeking opportunities to expand the company’s client base
- Monitors existing loan portfolio to maintain a high-quality asset base. Maintains up-to-date client files including current balance sheets, profit & loss statements, cash flow projections and all loan documentation
2
Experience For Senior Commercial Loan Officer Resume
- Assists customers with any loan-related questions and concerns
- Makes calls independently
- Ethical Behavior: Model high standard of honesty, integrity, trust, and openness. Understand and follow through with appropriate standards of conduct and moral judgment; willing to act outside the norm when needed to adhere to ethical principles. Communicate and demonstrate actions in a consistent manner. Respect others, regardless of individual capabilities, agendas, opinions or needs
- Negotiation: Negotiate with, convince, or influence others to take a course of action in order to achieve a specific result. Use appropriate interpersonal styles and communication methods to gain acceptance of an idea, plan, activity or product. Bring conflicts and disagreements into the open, when appropriate, and attempt resolution collaboratively through building consensus
List of Typical Skills For a Commercial Loan Officer Resume
1
Skills For VP, Commercial Loan Officer Resume
- Assisting in sales process and new client acquisition
- Generous employee benefits, including immediate vesting of 401K match and tuition reimbursement
- The ability to develop new business through direct sale and marketing of the Bank's lending programs
- Self-motivated and independent with the ability to multi task, balance a demanding work load and meet critical deadlines
- Personal and professional honesty, integrity and respect for all co-workers and Members
- Ability and willingness to work both independently and as part of an established team
2
Skills For Senior Commercial Loan Officer Resume
- Participation in sponsored and community-centered events
- Works independently to develop new business with prospects that have moderate and large complex credit needs
- Maintains established market presence
- Gathers related financial and general business information, participates in credit decision process and communicates with prospects to close sales
- Develops commercial business generally of moderate size and complexity as defined by the organization
- Develops broader knowledge base of commercial and other Company products and services, including loan policy, documentation, structuring and regulatory requirements
- Credit exposure & experience (up to 1 year)
- Maintain a high level of confidentiality and integrity
- Communicate verbally with personnel at all levels within and outside the organization
3
Skills For Commercial Loan Officer, Senior Resume
- Fully understand, analyze and structure various types of commercial loan requests
- Financial analysis work in commercial real estate
- Professionalism: Exhibit a professional manner in dealing with others; work to develop and maintain cooperative and positive working relationships; represent the bank in a positive manner; maintain credibility with others
- Quality Management: Adhere to guidelines, protocol, policies, and procedures and supervisory directives; improve and promote work quality; demonstrate accuracy, thoroughness, and attention to detail; strive to achieve strong results
- Planning and Organization: Prioritize, organize and plan work; use time efficiently; and achieve results within time frames. Complete work in a timely, accurate manner and be conscientious about assignments and deadlines
- Judgment/Problem Solving: Display ability and willingness to make sound decisions; identify and resolve problems in a timely and positive manner; exhibit sound judgment; appropriately handles both routine and non-routine situations
- Mathematical skills: Ability to apply accounting, scheduling and budgeting, measurement and calculation math skills associated with lending activities for purposes of data analysis. Comfortable working with a variety of lending formulas and industry specific equations and formulas with accuracy
- Networking: Build networks of useful relationships necessary to achieve positive results. Know how organizations work; cognizant of different roles and positions of power, and utilize this information to influence outcomes. Know how to work with people and organizations in order to reach successful outcomes
4
Skills For Commercial Loan Officer, OSF Resume
- Understanding of banking regulations which impact commercial and real estate lending
- Thorough understanding of accounting principles and how to apply them in assessing cash flow for the department’s more complex transactions
- Thorough understanding of finance, including calculation of payments, rate, amortization, future value, and present value
- Knowledge of commercial real estate and/or construction lending
- Thorough knowledge of commercial loan documentation and general commercial loan underwriting principles
- Represent Zions Bank in the community and respective marketing areas for the development and growth of new loan business
- Initiative: Identify and seize opportunities; display an independent, energetic enthusiasm and readiness to undertake or experiment to improve the organization
5
Skills For Senior Commercial Loan Officer, OSF Resume
- Be bonded required
- Develop and service new customers
- Strong skills in accurately assessing borrower’s cash flow, evaluating the business, the individual, and the global cash flow on both a historical and pro forma basis
- Excellent skills in assessing borrower’s global cash flow on both a historical and pro forma basis, utilizing business tax returns and individual tax returns
- Spread, analyze, underwrite, structure, negotiate and close the more complex transactions that the department encounters
- Work independently on multiple projects simultaneously with limited oversight to meet the expectations of multiple advisors, client loan closing deadlines, and the requirements of Bank management and Bank regulators
6
Skills For VP / Commercial Loan Officer Resume
- Generate and service a wide variety of Commercial Real Estate loans
- Interview clients for various loan needs
- Monitor credit performance and take necessary actions as needed
- Develops new commercial DDA relationships and cross-sell other bank products and services
- Refer clients and prospects to “non-bank” investment, insurance and mortgage related services
- Experience in analyzing business financial statements and real estate project related data, negotiating loan terms and structuring all types of commercial loans
- Services existing portfolio as assigned
- Approves loans in compliance with lending authority as designated in the Loan Policy
7
Skills For Agribusiness Commercial Loan Officer Resume
- Coordinate deposit corss-selling with deposit specialists and TM
- Maintain a working knowledge of all bank products and services
- Identify and develop profitable relationships with potential new customers by participating in civic and community activities
- Be proactive in identifying potential business opportunities outside the Commercial Department and refer to appropriate department or officer
- Highly motivated with ability to work in a fast-paced environment
- Underwrite and evaluate more complex loan transactions. Write or oversee preparation of accurate credit approval presentations (CAPs) by analyzing and interpreting financial information and tax returns on prospective and existing borrowers, to include global cash flow on a historical and pro forma basis
- Assess the general creditworthiness of prospective borrowers and determine whether the transaction merits moving forward through the full underwriting process
8
Skills For Senior Agribusiness Commercial Loan Officer Resume
- Communicate and follow up with clients, advisors, and prospects with questions about financial aspects of the transaction, and negotiate the structure with the client/prospect
- Make recommendations to appropriate approval authorities, including Internal Loan Committee, and Directors Loan Committee, and exercise individual lending authority when applicable.(Estimated at $50,000 to $100,000)
- Coordinate loan closings by overseeing Loan Ops, Credit Analysts, Advisor, Client, Title Companies, Appraisers, Legal Counsel, and others involved in the closing process
- Develop local business if deemed necessary by Management
- Although no formal supervisory responsibility exist from a direct report standpoint, the incumbent assists in the ongoing training of the credit analysts and loan operations specialists by providing some direction, guidance, and coaching to them when editing Spreads, CAPs, Annual Reviews, and reviewing loan documentation
- Develops a customer portfolio to include commercial loans, construction loans, lines of credit, consumer loans as needed and deposit products
- Attends loan committee as required, with ability to provide structural feedback to the committee
9
Skills For Commercial Loan Officer Resume
- Processes loan maturities and renewals
- Prepares, with the assistance of the Credit Department, loan presentations as necessary and present to Loan Committee
- Works closely with Loan Assistant to properly document and maintain loan and collateral files
- Works with Cash Management Sales Officer to cross sell cash management products
- Represents the Bank at various after hours functions to further the Bank’s reputation and reach in the community
- Performs job functions in compliance with all company policies, federal and state rules and regulations as applicable to the position, including, but not limited to BSA/AML, OFAC, and GLBA/privacy rules
- Screen new loan opportunities
10
Skills For VP, Commercial Loan Officer Resume
- Work with Asset Management team to monitor loan pools
- Maintain an aggressive customer call schedule
- Assist and respond to new loan requests within in, a timely manner, by either approving, declining (if within lending limitations) or submitting recommendation to loan committee
- Make sure details on loan documentation are complete and correct prior to closing to insure accuracy and are in compliance with state and federal regulations, bank policy, and compliance regulations
- Monitor loan delinquency and proactively identify credit problems. Take preemptive measures by managing loan accounts for current documentation, performance and total bank relationship. Respond promptly to exception and compliance error reporting to prevent or minimize potential losses
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