Working typically in credit unions, commercial banks, financial institutions, and mortgage companies, the Commercial Loan Officer is tasked with the duty of supervising tellers and overseeing the loan paperwork. Typical work activities listed on the Commercial Loan Officer Resume include the following – examining loan applications carefully, verifying financial information provided by the client, determining if the client or business is eligible for the loan or not; reviewing credit information, approving or denying loans; and supervising the loan department and the loan administrators.
Financial institutions look for people with the following skills – good at numbers, strong grasp of mathematics, customer service skills, analytical thinking abilities to perform calculations and make the best decision for the company they serve; attention to detail, and a solid knowledge of commercial loan policies and standards. As on-the-job training is provided, applicants are expected to possess only a bachelor’s degree.
Objective : Achievement oriented professional with diversified experience in the financial industry. Strong computer skills, excellent multi-tasking and organizational aptitudes, and proven ability to handle high volume of work in a timely manner.
Skills : Title Absract, Business, Call Center.
Description :
Averaged 200 teller transactions a day.
Handled large cash transactions on a daily basis.
Balanced teller drawer daily.
Process all documents for any loan type.
Maintained and balanced several internal accounts.
Managed 17M loan portfolio.
Problem-solving and work out plans for loans.
Specialized in construction lending and investment property.
Experience
2-5 Years
Level
Junior
Education
Banking
Sr. Commercial Loan Officer Resume
Headline : Over 20 years of technical experience that ranges from Quality Control and Compliance to senior underwriter for conventional, FHA, and VA. - Management skills in financing.
Skills : SAP Software, Microsoft Office.
Description :
Originate and service all lines of Commercial Loans.
Complete financial analysis of borrower to determine credit quality.
Review and analyze company financials, including income statements, and balance sheet.
Input company data into bank financial spread program.
Interpret results and compare with industry standards.
Prepare Pro-forma cash flow statements based on provided financials.
Present loan write-ups to both Officer and Board Loan Committees, which included company strengths, weaknesses, past and projected cash flow analysis.
Participate in both in-house and external loan audits including OCC audits.
Work with loan assistants to ensure all documentation is complete and correct prior to loan closing.
Experience
5-7 Years
Level
Executive
Education
Banking
Jr. Commercial Loan Officer Resume
Headline : Over 17 years experience as a Consultant/Mortgage Modification Analyst, a Sales and Underwriting Manager, a Commercial Loan Officer and an Independent Business Owner working within the financial service and retail business sectors.
Skills : Social Media Marketing, Real Estate License.
Description :
Sourced and acquired new commercial businesses via networking and cold calling strategies.
Performed underwriting for credit risks and negotiated sales closings to grow a commercial portfolio.
Ranked top in loan production for several months, despite position as newest, youngest lender within a niche market.
Acquired largest depositor through constant perusal and diligent attention to accommodating client needs, resulting in client transfer of $4M deposit from the previous bank to SCBT.
Sourced and acquired new commercial businesses via networking and cold calling strategies.
Performed underwriting for credit risks and negotiated sales closings to grow the commercial portfolio.
Ranked top in loan production for several months, despite position as newest, youngest lender within a niche market.
Experience
5-7 Years
Level
Executive
Education
Banking
Commercial Loan Officer III Resume
Headline : Highly qualified Commercial Loan Officer with experience in the industry. Enjoy creative problem solving and getting exposure on multiple projects, and the collaborative environment on which your company prides itself.
Skills : Excellent communication, both written and verbal, and am experienced in a variety of fields in many facets. Problem solving is excellent. Working with people, and additionally, leading them are attributes.
Description :
Responsible for developing and retaining commercial relationships.
Assisted in growth and management of commercial loan portfolio consistent with federal regulatory compliance and bank policy.
Coordinated commercial lending activities with other lenders and branch managers to maximize lending and new business opportunities.
Created and presented client presentations outlining client strengths, weaknesses, opportunities and threats utilizing strategic models (SWOT and Porter Models) while developing strategies and products to minimize/maximize issues within an industry.
Provided detailed financial analysis and review of financial statements, accounts, and related data for existing customers.
Assisted in the management and growth of loan portfolio by identifying customer needs that were industry specific.
Created and maintained accounts for existing customers, ensuring terms of loans and financial conditions of borrowers adhered to policy parameters.
Maintained current knowledge of industry regulations, compliance issues and bank policies.
Experience
5-7 Years
Level
Executive
Education
Masters In Business
Commercial Loan Officer II Resume
Summary : Over 25 years Commercial Loan Officer and sales career with demonstrated ability to build relationships and cross-sell services to key clients.
Skills : Microsoft Office, Quickbooks, Peachtree, ADP Payroll.
Description :
Provided consumer and commercial loans as well as credit department management.
Originated consumer and business loans.
Presented commercial loan requests to the executive loan committee, representing each bank.
Originated SBA and standard commercial loans.
Oversaw lending functions for home improvement, debt consolidation, and auto loans.
Responsible additionally for all collection activities.
Participated in Norwest Banks' Management trainee program.
Learned every function of the bank, with the exceptions of HR and operations.
Experience
7-10 Years
Level
Management
Education
BS In Economics
Commercial Loan Officer I Resume
Objective : Commercial Loan Officer experience in banking, accounting and finance in a remote or part-time position. Provide excellent customer service, including prompt responses, basic technical assistance and referrals to other technical assistance providers as appropriate.
Skills : Legal Research, Oral And Written Communication, Team Building.
Description :
Collected and analyzed financial and related data to determine general creditworthiness.
Managed loan accounts that meet established lending requirements and provide maximum profitability to the Bank at minimum risk.
Conducted preliminary financial analysis' to determine if applicants met established minimum criteria and informed them of the outcome.
Explained alternatives, if any, to restructure loans to meet lending requirements if criteria were unacceptable.
Forwarded applications for further processing if needed.
Conducted in-depth research as required based on the circumstances surrounding the filing.
Performed filed work as necessary to locate and collect delinquent loan payments or secure collateral.
Experience
2-5 Years
Level
Junior
Education
M.S. In Psychology
Commercial Loan Officer/Director Resume
Summary : Seeking a professional Commercial Loan Officer position with an organization that can benefit from years of real estate title, mineral title, and other business experience.
Skills : Microsoft Office, Financial Statement Analysis.
Description :
Originated, evaluated, and completed an analysis of complex CRE loans (construction, acquisition, bridge, interim, and mezzanine), including structuring and covenant development.
Originated stabilized property for both CMBS and permanent balance sheet.
Prepared effective packages for credit approval.
Monitored approval process to loan closing.
Aggressively marketed and cross-sold all bank products and services.
Reviewed and strengthened asset quality, including workouts, restructures and transfers of problem credits.
Submitted presentations to rating agencies including S&Poor's and Duff & Phelps for CMBS Loan Securitization purposes.
Experience
10+ Years
Level
Senior
Education
International Business
Commercial Loan Officer/Supervisor Resume
Summary : Dependable individual bringing extensive management and financial experience. Enthusiastic team player with a strong work ethic and willingness to take on additional responsibilities to achieve company objectives.
Skills : Speak Spanish and Portuguese, Proficient in Microsoft Office applications.
Description :
Loan Officer and Assistant Vice President in the Women's Business Center.
In addition to lending also provided management, financial and technical assistance to a client base.
Responsible for developing leads for potential loan applicants as well as responding to referrals for commercial loans.
Following the established guidelines, processed the applications, insured completeness and submitted to the loan center.
Declined wrote the appeal including a complete analysis of the business and its financial standing including ratio analysis.
Actively marketed through cold calling and trade groups for new customers.
Conducted closing of commercial loans explaining the documents and answering any questions on the documents or procedures for funding.
Experience
7-10 Years
Level
Management
Education
MA
Commercial Loan Officer/Representative Resume
Headline : Over seven years in Commercial Loan Officer, and ten years of customer service skills. Experienced in call center services. Worked as a store manager, and assistant manager for staffing of sixty plus employees and performed the implementation of hiring and termination of employees.
Skills : Sales, Managemet, BusinessDevelopment.
Description :
Increased commercial loan portfolio by $2 million in new loans in seven month period.
Managed 120 existing loans in Oregon and Washington state.
Performed credit analysis on potential customers by reviewing pro forma and balance sheets, income statements and tax returns.
Performed "cold calls" to attract new business to increase loan and depository amounts to the institution.
Developed new customer prospects through referrals from customers within the financial institution.
Prepared all new loan requests for presentation to regional manager, Chief Credit Officer, and Board of Directors.
Developed working relationships with the USDA and SBA for government guarantee programs.
Experience
5-7 Years
Level
Executive
Education
Bachelor Of Science
Commercial Loan Officer Resume
Summary : Executive Administrator People-oriented, community-minded team leader with clear sense of organization and sound experience in coordinating financial projects. Quick to ascertain end-user needs and find appropriate products and solutions. Work productively with company management, outside businesses, community organizations, and government agencies.
Worked in Business Banking as a Relationship Manager in Small Business Banking.
Served various businesses, equipment, Real Estate, construction loans, and working capital while cross-selling other bank products while evaluating risks.
Worked closely with an underwriting team in submitting eligible loan applications.
Conducted evaluations and specifications as to which loan would best suit the needs of the client in a retail sales environment.
Ensured and prepared loan agreements completed and accurate according to credit policy.
Approved loans within lending authority limit.
Developed a new clientele and handled loan requests through closing.
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