A Commercial Lender works in commercial banks, financial institutions, mortgage companies, and credit unions, and handles the job of supervising tellers, and loan officers. Common tasks completed by these professionals are listed on the Commercial Lender Resume as – examining loan applications, verifying financial information provided by the applicant, reviewing credit information after evaluating the credit history, recommending approval or disapproval of the loan application, supervising loan administrators, double-checking loan paperwork, and ensuring the loan payments are made on time.
Financial institutions look for lenders possessing the following experience and skills – strong grasp of mathematics, customer service approach, logical and critical thinking skills, leadership skills, attention to detail, familiarity with relevant software, and financial firms. As on-the-job training is provided, employers don’t expect anything further than a degree in relevant fields such as accounting, banking, or business administration.
Summary : A challenging management position using education and work experience. Combining strong interpersonal and communication skills, and committed to continual performance development in the workplace.
Skills : Proficient in Microsoft Office, Quickbooks.
Description :
Responsible for meeting all banking needs of my customers including agricultural, commercial, or consumer accounts.
Oversee customer's accounts and loans and the performance of the portfolio.
Cross-sell products that meet the needs of customers while meeting all applicable regulations.
Utilize programs from FSA, SBA, Farmer Mac, and participation loans with other banks to meet the needs of the customer.
Packaged a loan that was too large for the institution.
Handed off to another creditor and we purchased participation in the credit from them.
Met with potential borrowers, monitored current relationships, prepared applications for current and potential borrowers.
Experience
7-10 Years
Level
Management
Education
B.S. In Agricultural Industries Sales And Management
Commercial Lender Resume
Summary : Commercial Lender is responsible for managing the commercial lending portfolio and ensuring that the loan portfolio is performing at an optimal level. This includes negotiating loans with lenders, developing loan collateral and collateral management, collecting payments, and closing loans.
Skills : Microsoft Office, Excel, Word, Powerpoint.
Description :
Manage commercial loan portfolio from underwriting to workouts; Compliance Committee.
Specialized in commercial real estate Construction, and term financing of professional and income-producing properties, and construction and A&D loans.
Closed in excess of $9,000,000 of commercial credit-related business with customers not previously.
Responsible for business development and portfolio management of commercial real estate.
Provided expertise to effectively manage a $30 million portfolio with more than 60 clients.
Expanded relationships with clients to provide opportunities to maximize profitability.
Closed in excess of $9,000,000 of commercial credit-related business with customers not previously clients.
Experience
10+ Years
Level
Senior
Education
B.S. In Agricultural Industries Sales And Management
Commercial Lender Resume
Objective : A 15 year, dedicated banking, finance, insurance professional with a strong background in portfolio management, sales, business process analysis, and commercial credit risk management. Extensive knowledge of banking regulations, insurance regulations, and a solid commercial and industrial lending background.
Skills : Telecommunications, Manager, Sales.
Description :
Developing new business with regard to Commercial and Business loans including traditional commercial loans, SBA 504 loans, SBA 7A loans, and traditional lines of credit.
Developing and maintaining a network of Centers of Influence, including commercial real estate agents and brokers, CPAs, Attorneys, and Insurance Agents in an effort to obtain referrals.
Analyzing current financial statements and tax returns of prospective borrowers.
Preparing spreadsheets to identify significant changes in balance sheet items.
Performing cash flow analysis, debt service coverage, and analysis of net worth.
Preparing and packaging loan requests to be sent to the SBA.
Produced $1.3MM in lines of credit, $400M in SBA 7A loans, and issued SBA 7A loan proposals still pending and likely to close for $846M and $595M.
Experience
2-5 Years
Level
Junior
Education
BS In Business Administration And Business Management
Commercial Lender Resume
Summary : Over ten years experience in commercial lending with an emphasis in credit analysis. Energetic, self-motivated, team player with excellent analytical and organizational skills.
Skills : Excellent Communication, Both Written And Verbal, Problem Solving.
Description :
Lending to qualified candidates in the commercial realm.
Helped to maintain the bank's solid reputation.
Being accessible to customers, listening to them, being loyal to those served including the company and the public.
Again, long hours and hard work with attention to detail.
Performed credit screening and analysis of commercial loan applications.
Utilized accounting ratios and pro forma financial statements in underwriting loan applications.
Managed the commercial lending pipeline, tracking loan activity against portfolio thresholds.
Experience
7-10 Years
Level
Management
Education
Director Of Special Education In Education
Commercial Lender Resume
Summary : Seeks to obtain a sales position that will allow utilizing sales experience and business development skills to generate new business and maintain your existing customers.
Skills : Microsoft Office.
Description :
Responsible for new business development and cross-selling of all bank products, including cash management tools and investment products.
Responsible for all phases of underwriting loans including real estate analysis, cash flow models, profitability models, and credit underwriting.
Monitored and maintained new and existing portfolio of commercial clients.
Reviewed and maintained portfolio, including approving draw requests, collections, and monthly updates.
Grew $10M loan portfolio 15% year to year.
Reduced portfolio loan exceptions by 50%.
Solicited new commercial real estate loans and maintained the relationship of existing loan customers to include site visits and working with troubled borrowers to mitigate any losses to the credit union.
Identified other opportunities to deepen relationships with business customers by providing services and/or referring out to specialists.
Experience
10+ Years
Level
Senior
Education
BS In Business Administration
Commercial Lender Resume
Headline : Financial Services Professional offering a broad range of experience in commercial lending. Proven track record of delivering results through business development, underwriting, portfolio management, and account management. Recognized for relationship development and analytical skills that contribute to leading teams to meet project deadlines.
Skills : Possess Excellent Communication, Both Written, And Verbal, Problem Solving.
Description :
Lending to qualified candidates in the commercial realm.
Establishment of new customers and retaining customers, before helped to create opportunities for those who needed them.
Analyze, review and decide both individual and business loan requests to establish creditworthiness and risk potential.
Package loans for FSA, SBA, and USDA guarantee.
Monitor the loan portfolio, communicating directly with borrowers, and making recommendations when needed.
Guided business owners from initial application, preparation of credit package, underwriting issues, and through loan closing.
Identified other opportunities to deepen relationships with business customers by providing services and/or referring out to specialists.
Experience
5-7 Years
Level
Executive
Education
Director Of Special Education In Education
Commercial Lender Resume
Objective : Seeks to obtain a role within a company that strives to be the best and has potential for growth, while having a great structure and leadership team in place for support.
Skills : Telecommunications, Manager, Sales.
Description :
Cross-sell all of the products and services that the company has to offer to exist clients as well as new clients.
Customer prospecting via networking and cold calling.
Analyzing customers' financials to gain an understanding of how we can best help them achieve goals.
Calculation of debt service coverage to assure that it is within our guidelines.
Writing of credit memo and credit recommendation based on the financial information that has been supplied.
Guided business owners from initial application, preparation of credit package, underwriting issues, and through loan closing.
Ordering of services needed for each loan to ensure that we are in compliance and protected.
Experience
2-5 Years
Level
Junior
Education
Director of Special Education in Education
Commercial Lender Resume
Objective : A results-oriented professional who is respected for relationship building, operational knowledge, and integrity. Looking to obtain a position, using the field of expertise that is both challenging and rewarding.
Skills : MS Office, Data Entry.
Description :
Manage $11,000,000-$14,000,000 loan portfolio.
Underwrite loans.
Establish customer relationships for Bank.
Responsibilities included business development, relationship management, and identification of cross-sale opportunities.
Managed a commercial loan portfolio.
Met with potential borrowers.
Monitored current relationships.
Prepared applications for current and potential borrowers.
Experience
2-5 Years
Level
Junior
Education
MBA In Finance
Commercial Lender Resume
Summary : Lending professional with extensive experience in all types of consumer and commercial loan and mortgage operations. Specific experience with criticized loans and in dealing with borrowers and other 3rd parties to mitigate losses, identify risk factors, develop payment plans, renew maturing loans, and collect amounts due.
Skills : MS Office, Customer Service.
Description :
Managed a commercial portfolio of nearly 100 commercial customers.
Handled all commercial lending needs, from loans to cross-selling checking and trust services.
Participated in weekly Loan Committee meetings and presented loan requests to regular and Board of Director meetings.
Managed commercial portfolio in excess of 150 commercial customers.
Handled all commercial lending needs, from loans to cross-selling checking and trust services.
Participated in weekly Loan Committee meetings and presented loan requests to regular and Board of Director meetings.
Responsible for branch growth of $1.2M of net loan growth Branch development of $2.2M gross deposit growth.
Experience
7-10 Years
Level
Management
Education
Real Estate
Commercial Lender Resume
Objective : Commercial Lender is responsible for the structuring, structuring, and closing of commercial loan transactions. The Commercial Lender must be able to provide excellent communication skills and be able to effectively manage multiple projects simultaneously.
Skills : MS Office, Typing, Documentation.
Description :
Primarily focused on commercial real estate lending and energy lending managed a loan portfolio.
Completed formal credit underwriting skills training, advanced accounting skills training, credit analysis training, and completed the Relationship.
Reviewed and maintained portfolio, including approving draw requests, collections, and monthly updates.
Grew $10M loan portfolio 15% year to year.
Reduced portfolio loan exceptions by 50%.
Solicited new commercial real estate loans and maintained the relationship of existing loan customers to include site visits and working with troubled borrowers to mitigate any losses to the credit union.
Guided business owners from initial application, preparation of credit package, underwriting issues, and through loan closing.
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