Lending Officer Resume Sample
Anjali Barton
14533 Sporer Green,
San Francisco,
CA
+1 (555) 687 1301
Work Experience
VP-asset Based Lending Officer
11/2016
-
PRESENT
Detroit, MI
- Works closely with NFG Risk, Business heads (Real Estate) and associated underwriting teams to effectively implement policy, strategy, and analytic tools to achieve higher penetration of BOW’s Retail customer base by NFG lending products
- Works with NFG Risk and Business Heads to develop and implement strategy analysis and controls for profitable long term Real Estate growth; including models, tools and processes for improved, competitive pricing of NFG’s lending products
- Works closely with NFG’s PMO office to ensure applicable software changes and implementation(s) are timely and in alignment with priorities determined by NFG business heads and the NFG Group Portfolio Risk & Control Officer
- Works closely with NFG Finance’s office and staff to ensure that financial benefits are well understood and tracked to justify changes made and support future enhancements
- Works closely with NFG Risk, Business heads (Credit Card) and associated underwriting teams to effectively implement policy, strategy and analytic tools to achieve higher penetration of BOW’s Retail customer base by NFG lending products
- Works with NFG Risk and Business Heads to develop and implement strategy analysis and controls for Credit Card growth; including models and tools for improved, competitive pricing of NFG’s lending products
- At the direction of the bank’s Consumer Portfolio Risk & Control Officer within the business, acts as the liaison with Corporate Risk, Compliance, Legal, Operational Risk, etc. (as applicable) to obtain broad input and review of changes required for Credit Card Services Division initiatives as applicable
FC Lending Officer
11/2011
-
09/2016
Houston, TX
- Works with Portfolio Mgt, Modeling and Analytics, and Corporate Decision Sciences to develop and implement strategy analysis, MIS, and controls for line of business growth; including models and tools for improved, competitive pricing of NFG’s lending products
- Ten years of job-related experience (wealth and/or commercial lending)
- Visit customers outside of Citi's offices, with such visits to vary from HLS to HLS based on clientele, geography, market conditions, and other factors. - Work as a team with other Financial Center personnel
- Analyze financial information for customers and make recommendations to customers about which lending solutions would best meet the customers’ financial and personal objectives. Advise customers about the consequences, risks, and benefits of alternative lending solutions
- Promote Citi’s brand, and promote Citi as the provider for lending and other financial solutions. This includes, but is not limited to, promoting Citi and its financial services to real estate agencies, builders and customers
- Visit customers outside of Citi’s offices, with such visits to vary from HLO to HLO based on clientele, geography, market conditions, and other factors
- Develop and maintain outside relationships with key community partners, including realtors, certified professional accountants, and builders to drive Citi’s mortgage solutions for customers
Licensed Lending Officer
07/2008
-
06/2011
Dallas, TX
- Work with Processors/Closers and customers to ensure the timely closing of the customer’s loan
- Coaching and mentoring new hires, as appropriate
- Partner with Operations teams to ensure the seamless transfer of the loan application in order to provide documents to the Processors and acquire any additional information needed by the Processors and/or Underwriters. Work with Processors/Closers and customers to ensure the timely closing of the customer's loan
- Facilitate the Wealth credit process by working directly with BB&T Wealth Advisor teams to handle all credit requests where appropriate, and be responsible for the production of loans in an assigned territory greater than $500,000, up to $50,000,000
- Cross-sell the Bank’s other services
- Monitor, maintain and update loan activity, pipeline, and other pertinent information using the Bank’s contact management system
- Represent BB&T in the community by actively participating in civic affairs and professional organizations to identify and develop new clients and enhance the Bank’s image
Education
Emporia State University - Metro Learning Center
2003 - 2008
Bachelor's Degree in Business
Professional Skills
- Strong computer skills including MS applications and experience utilizing laptop technology for accessing rate, credit/ loan status info
- Skilled working with CRA and Fair Lending Wiz (or similar software) or strong technical skills
- Strong computer skills including MS applications and previous experience utilizing laptop technology
- Strong selling skills to help sell our values and cross sell bank products
- Communicate clearly and effectively, both verbally and in writing, across a variety of audiences. Professional and effective interpersonal skills
- Excellent verbal and written communication skills and the ability to organize and deliver presentations
- Proven interpersonal and communications skills to successfully conduct adjudication activities
How to write Lending Officer Resume
Lending Officer role is responsible for customer, credit, development, relationship, technology, finance, retail, training, lending, business.
To write great resume for lending officer job, your resume must include:
- Your contact information
- Work experience
- Education
- Skill listing
Contact Information For Lending Officer Resume
The section contact information is important in your lending 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 Lending Officer Resume
The section work experience is an essential part of your lending 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 lending 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 lending officer position you're applying to.
The work experience section should be the detailed summary of your latest 3 or 4 positions.
Representative Lending Officer resume experience can include:
- Keep abreast of changing business and economic developments which impact the loan portfolio, its profitability and the financial services industry, in general
- Excellent follow up and communication skills with borrowers, internal partners & teammates
- Consultative skills; able to ask critical questions to identify
- Bilingual skills - Korean
- Bilingual skills - Mandarin
- Has demonstrated success in prospecting, generating leads, closing business and consistently meeting/exceeding production goals
Education on a Lending Officer Resume
Make sure to make education a priority on your lending officer resume. If you’ve been working for a few years and have a few solid positions to show, put your education after your lending 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 Lending Officer Resume
When listing skills on your lending 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 lending officer skills:
- Strong communicator and good negotiation skills
- Good analytical and negotiating skills
- Experience selling Retail Auto Financing to Automobile dealerships or outside sales skills
- Superior customer service skills. Proven ability to source new business from external Centers of Influence, eg: Realtors, Builders, CPAs, etc
- Self-motivated and highly organized and have excellent time management and follow-up skills
- Completion of formal credit training with demonstrated skill in handling complex accounts with above average performance
List of Typical Experience For a Lending Officer Resume
1
Experience For FC Lending Officer Resume
- Excellent follow up and communication skills with borrowers, internal partners & team mates
- Completing risk assessments and developing recommendations as to the appropriate course of action for customer loan applications
- Performing structured and analytic functions on loan applications through the Business Line’s credit decisioning system
- Make decisions about denying, recommending counter-offer or approval of loan requests
- Commercial Real Estate Lending and Portfolio Management Officers
2
Experience For Commercial Lending Officer Resume
- Actively promotes the Bank’s CRA, low-to-moderate, and minority lending efforts and generate residential mortgages in targeted areas
- Knowledge of financial analysis, risk evaluation and loan documentation
- Coverage Team Members and Relationship Coordinators
- PCS Associates and their Relationship Coordinators
- Knowledge of principles and processes for providing customer and personal services. This includes customer needs assessment and meeting quality standards for services
- Presentation to Credit Senior management and the Firm’s Credit Committee for discussion and approval of transactions
- Credit Risk Management Officers, Legal, Compliance, and Audit
3
Experience For VP-asset Based Lending Officer Resume
- Represent the bank in local community at meetings and events to market the bank's products and services
- Perform CRE credit underwriting; evaluate clients' credit, review credit reports, appraisal reports and environmental reports, coordinate loans and help negotiate mortgage or leasing contracts
- Maintain and manage established CRE portfolio, fostering current relationships, reviewing due dates, ensuring proper payments and conducting client visits
- Analyze financial performance of potential and current properties and portfolios and prepare/present investment and strategic planning recommendations
- Conduct property inspections and assists with updates to loan files
- Gather and renew credit information for Commercial Real Estate loan programs
- Client service oriented with strong interpersonal skills; highly responsive to clients’ needs and able to follow through on issues and build positive relationships
- Actively manage and understand credit risk within the portfolio
4
Experience For Licensed Lending Officer Resume
- Gather the financial information needed to monitor credit risk
- Review and analyze financial information obtained from the client
- Correspond with the credit analyst, customer, and on occasion with the CPA and an attorney to ensure all necessary information is obtained and any additional questions are answered
- Ensure proper and accurate documentation of loan requests. Make sure the customer is completely familiar with the terms of the obligation. Ensure that the loan documentation is consistent with the Bank approval
- Early detection and identification of problem loan situations and the surfacing of any credit deterioration to appropriate management and maintaining accurate loan risk ratings. Take ownership of credit quality of loan portfolio
5
Experience For Retail Lending Officer Resume
- Identifies and refers potential needs requiring structured lending and loan management account (LMA) to meet established loan quality and production goals
- The eventual collection of a loan regardless of the need to rely on others for servicing, documentation, or other forms of assistance
- Identifies and refers Consumer Banking and Small Business opportunities
- Manages the total return of the relationship
- Actively manage risk ratings, overdrafts, covenant compliance and annual reviews of portfolio
- Maintains a high level of quality and productivity when adjudicating the large volume of daily loan applications. Ensuring the right balance is obtained within these metrics
- Ensures sound and timely due diligence in loan underwriting while conforming to Bank policies and procedures by: following up on outstanding loan related information and managing the credit review process for assigned loan applications and escalating exception credit situations to GRM ACE as needed for speedy and equitable resolution
- Licensed Lending Officers receive approximately 10-15+ warm transfers from our contact center daily
- They build rapport, analyze financial situations and determine the appropriate loan product to meet our client’s goals
6
Experience For Wealth Management Lending Officer Resume
- Aligns to a Financial Advisor team or individual Financial Advisor’s practice, actively developing a strategy to identify credit opportunities in the FA’s book and offer clients access to the full suite of credit solutions through a high touch client experience
- Self-sources new opportunities through network and regular participation in business related development opportunities
- Solicits new consumer lending business and sells Bank of America consumer lending products to meet established loan quality and production goals (First Mortgage, Home Equity, and Consumer Vehicle Lending)
- Where the call can’t be handled by the Customer Service Representative (doing so would impact productivity; comprehension of the rationale for the decision is complex),
- Analyzing customer loan applications from Dealers and determining customer affordability by reviewing customer credit history, employment and income according to established guidelines
- Referring exception credit situations to the Senior Credit Analyst or Manager, Credit as required for speedy escalation and equitable resolution through GRM ACE
- Previous experience in Customer Service role. - Knowledge of the Finance Industry - Call Centre experience
- Demonstration a strong working knowledge of SDA’s adjudication system
7
Experience For Home Lending Officer 9th & 55th St Branch Resume
- Loan origination experience
- Believes diversity makes us stronger, so we can reflect, connect to and meet the diverse needs of our clients around the world
- Effective communication styles
- Ensuring compliance to AML (Anti-Money Laundering), KYC (Know Your Customer), and Privacy policies
- Reporting and escalating any unusual occurrences or fraudulent activities in the loan application process per established procedures
- Showing respect for the Dealer and listening to the Dealer’s needs particularly in situations where credit is not granted for a particular loan application
8
Experience For Home Lending Officer Broadway & 96th St Branch Resume
- Adhering to regulatory and Internal Bank Guidelines as required and maintaining awareness throughout the year. Ensuring the completion of all mandatory Bank course as required via My Learning Centre
- Commercial lending experience
- Managing a portfolio of clients
- Thorough knowledge of SDA’s products, services, and operating systems
- Clear and concise communication - verbal, non verbal, and writte
- Clear and concise communication - verbal, nonverbal, and written
9
Experience For International Lending Officer Resume
- Quickly build their network within Bank of America. Takes every opportunity the bank offers to expand their business (eager to adopt)
- Annual production equivalent to Chairman’s Club
- Can build and maintain solid referral base (that is, strong community involvement/ties, established relationship with assigned Merrill Lynch financial advisors)
- Has 2+ years of experience in a loan origination role with a focus on generating self-sourced business through a verifiable, established network of referral sources
- Has the ability to analyze income and assets properly in order to qualify clients for specific loan products
- Provides exceptional customer service at all stages of transactions
- Takes a complete application and obtains required
10
Experience For Consumer Lending Officer Resume
- Established relationships with Auto Dealers in the Minnesota market
- Capability to provide guidance on regulations to various business units
- Assess needs and suggest/promote alternative products
- Partner across diverse teams to connect, share ideas and win together with passion
- Strive to ensure roles and process across teams are streamlined for seamless delivery to customers
- Own our vision, engage your people with our direction and never give up
- Recognise and reward those who step beyond the boundaries to win for customers
List of Typical Skills For a Lending Officer Resume
1
Skills For FC Lending Officer Resume
- Proven sales and communication skills
- Understands how to manage pipeline effectively
- Experience in compliance oversight; or equivalent combination of education and experience
- Skill your team to create powerful experiences to earn all our customers’ business
- Previous experience in the analysis and adjudication of consumer credit. Direct experience in sub-prime financing considered an asset
- Has a strong background in the credit solutions, ranging from standard to custom mortgage products and other securities-based lending
- Lead by having honest, respectful conversations and providing effective feedback
2
Skills For Commercial Lending Officer Resume
- Ten or more years of related CRE lending and banking experience
- Strong understanding of financial statements and credit standards
- Self-motivated and highly organized Ability to prioritize multiple competing task
- Completion of formal credit training with demonstrated knowledge and increased responsibility with satisfactory performance
- Has significant experience building relationships with clients
- Experience with Fair Lending and CRA compliance required
- Experience managing compliance exams or audits
- Experience in motivating team members to achieve a common goal
3
Skills For VP-asset Based Lending Officer Resume
- Proven ability to prospect for banking debt and liquidity
- Two+ years mortgage sales experience
- Commercial credit experience
- Experience in Function
- Experience in Industry
- Demonstrated ability to source and produce new business
- Strong time management practices, a sense of urgency to meet deadlines
- Experience with business law basics and loan documentation
4
Skills For Licensed Lending Officer Resume
- Professional and effective interpersonal
- Completion of formal credit training with demonstrated knowledge and increased responsibility with above average performance
- Adaptability and can demonstrate flexibility
- An ability to take ownership, accountability and can demonstrate integrity
- Experience in Function
- An ability to take ownership and accountability and can demonstrate integrity
5
Skills For Retail Lending Officer Resume
- Related experience required
- Recent experience in front end loan origination
- Proven track record of success in Sales and/or Sales Management
- Successful completion of a bank sponsored credit training program or equivalent professional commercial credit experience in a bank enviroment
- Skilled in application of SBA program requirements and SBA SOP
- Analyzing, processing and recommending loan amendments or pricing concessions requests from dealers
- Following up on outstanding loan related information and managing the credit review process for assigned loan applications
6
Skills For Wealth Management Lending Officer Resume
- Monitoring and approving/recommending loan applications
- Seeking or clarifying information from Dealers regarding loan application documentation in a professional and efficient manner
- Conducting analysis to support pricing and/or fee recommendations for loan applications
- Underwriting 48 hour turn time!
- Starting at 15 days of paid time off
- Exciting Company paid trips
- Underwriting 48 hour turn time
- Developing the capabilities of others to achieve results
- Ensuring customer loan applications from Dealers are properly and accurately investigated, evaluated and documented
7
Skills For Home Lending Officer 9th & 55th St Branch Resume
- Heavy ratio of processing to sales; allowing our Licensed Lending Officer to focus on what they do best.. selling
- Generate additional business by identifying new clients, following up on referral leads and attracting potential lending opportunities from various sources
- Heavy ratio of processing to sales; allowing our Bankers to focus on what they do best.. selling
- Create models to perform fair lending monitoring and testing
- Company paid licensing, continuing education, and annual state/NMLS renewals
- Track record of developing business in equivalent role or through managing own business
8
Skills For Home Lending Officer Broadway & 96th St Branch Resume
- Maximizes the bank’s resources to assist in selling and establishing relationships
- Contributes to loan growth and profitability while minimizing underwriting risk to the Bank by
- Ensures sound and timely due diligence in loan underwriting while conforming to Bank policies and procedures by
- Complete benefits package including Medical, Dental, Vision, and 401K
- 15+ warm transfers from our in-house Consumer Lending Representatives daily
- Thorough knowledge of all applicable federal and state banking laws and regulations is required
- Role model what delighting customers’ looks like and take every opportunity to earn our customers’ business yourself
- Reward and Recognise people who do the right thing
- Extensive lending and credit knowledge
9
Skills For International Lending Officer Resume
- History of sound judgment and decision making
- Identify and propose to the bank’s Director of SBA marketing opportunities to expand the bank’s small business brand
- Comfortable speaking to customers over the phone
- Desire and willingness to call on prospective and existing clients for sales opportunities
- Conduct sales calls and meet with prospective and existing customers to establish new loan business
- Administer individual loan portfolio including commercial and other assigned loans
- Interview loan customers to determine lending needs
- Work with the Small Business Administration and Bank of North Dakota to qualify customers for participation lending programs
10
Skills For Consumer Lending Officer Resume
- Negotiate direct lending terms as well as collateral and payment structures
- The eventual collection of a loan regardless of the need to rely on others for servicing, documentation or other forms of assistance
- Appropriately sets and adjusts customers expectations
- 15+ warm transfers from our in-house Jr. Mortgage bankers daily
- Team oriented, Problem solver, Motivational leader
- High level of technical expertise
- Appropriately sets and adjusts customers’ expectations throughout the process
List of Typical Responsibilities For a Lending Officer Resume
1
Responsibilities For FC Lending Officer Resume
- Thorough knowledge of procedures, policies and workflows, as it relates to SDA’s credit adjudication, income verification and dealer funding requirements
- Provide exceptional customer service at all stages of transactions
- Strong organizational and time management skills; the ability to prioritize, allocate and monitor workload; using sound judgment to address problems and discrepancies
- Travel is required throughout the Flordia Panhandle region
- Individual contributor with team player attitude
- Grow your network to eventually grow your business. Leverage our relationships with one out of two U.S. households
- Bilingual - Spanish or Chinese
- In House Lender
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