Commercial Lender resume example with 14+ years of experience

Jessica Claire
Montgomery Street, San Francisco, CA 94105 (555) 432-1000,
Professional Summary

Enthusiastic and experienced Financial Sales Professional who exceeds expectations while building lasting business relationships, and contributing to the overall success of a sales team.


Business Development

Relationship Banking Management

Loan Portfolio Management

Credit Analysis & Underwriting

Information Technology

Business & Commercial Banking

Sales Management

Professional Presentations

Sales Coaching

Vendor Management

Work History
2017 to Current Commercial Lender Glacier Bancorp | American Fork, UT,
  • Originated, reviewed, processed, closed and administered customer loan proposals.
  • Preparation of credit packages (Prepare credit approval packages on new and renewed debt products including determination of the appropriate risk rating as well as risk factors that could change the risk rating, analysis of financial performance, performance vs. projections, covenant compliance, relationship profitability (RAROC), and any other significant risk drivers.
  • Analysis of guarantor as needed to support credit underwriting
  • Maintenance of credit files including post-closing items (Actively manages financial reporting requirements, covenant requirements, past dues and documentation exceptions and ensures credit files are complete with all up to date information)
  • Validates the appropriate risk rating for a company and proactively identifies risk rating changes
  • Development of a strong working knowledge of and insure compliance with internal bank commercial loan policy, credit risk management policy, and external regulatory requirements; documents any exceptions to policy and related rationale/risk mitigation
  • Identifies opportunities for exposure reduction or new opportunities within multi-million dollar portfolio
  • Developed and maintained relationships with local businesses
  • Created strategies to develop and expand existing customer sales
  • Joined IT committee to develop policy and procedures

04/2013 to 03/2016 Business Banking Officer Northeast Bancorp | South Paris, ME,
  • Responsible for individual sales responsibilities in lending and all related lines of business including calling on new and existing customers
  • Maintained and developed commercial loan portfolio of over $10MM consisting of companies with annual revenues in excess of $1MM
  • Developed customer relationships by identifying needs and making appropriate recommendations for products and/or services
  • Received “Line of Business Partner of the Year” award. (2014,2015)
  • Responsible for developing and expanding new and existing customer relationships within assigned territories
  • Obtained and directed the analysis of all necessary financial and credit data for underwriting loan requests and evaluating whether a loan may be an acceptable risk
  • Understands internal credit policies and procedures to include the process of closing a loan Responsible for servicing loan and deposit clients.
  • Consistently finished each quarter as a top 3 lender within the Business Banking lending segment

09/2012 to 04/2013 Branch Manager/AVP Cb&S Bank | Decatur, AL,
  • Managed the branch business portfolio for optimum performance
  • Directed branch business development through outside calls, in-branch selling, telemarketing, branch campaigns, and targeted direct mailing
  • Responsible for the sales/service activities, marketing plan, operating budget, profitability and operational integrity of the branch
  • Ensured that the branch sales/service supports the overall corporate objective to provide superior service
  • Planned, implemented, and managed the operating and capital budgets to maximize branch profitability
  • Ensured that the branch met all regulatory compliance standards and ensured branch personnel complied with all laws and regulations
  • Documented and communicated individual compliance performance in annual staff evaluations.
  • Developed and managed an annual branch marketing plan with specific goals.
07/2010 to 09/2012 Branch Sales Manager Hope Credit Union / Hope Enterprises | College Station, AR,
  • Called on key consumer and business customers on regular basis to ensure satisfaction, probed unmet needs and obtain referrals from community networking
  • Resolved escalated customer issues and built customer loyalty 
  • Participated in community organizations to promote Regions Financial Corporation and expanded network
  • Identified and developed relationships with potential new consumer and business customers
  • Partnered with business lines in performing outside business calls and meetings to maximize cross-sell opportunities
  • Actively participated on sales meetings with the Market President and other Branch Managers
  • Reviewed progress and planned activities to assist branch team in meeting or exceeding sales and service goals
  • Conducted annual performance evaluations and provide ongoing on-the-job training for associate performance and career development
  • Worked with the Market President, ROM and HR to make hiring and promotional decisions
03/2008 to 07/2010 Manager of Personal & Business Banking RBC Bank | City, STATE,
  • Responsible for driving overall performance of the banking center
  • Lead sales person in market for small businesses with <$1 M in sales revenue
  • Managed staff size of 4-40 employees across multiple branch sites
  • Executed sales and market management activities focusing on building employee capabilities
  • Drove business development through tele-consulting, outside calling and relationship management, community involvement and marketing amp; promotion
  • Focused on aligning talent to opportunities within the banking center and for development of existing staff, new hires and trainees
  • Maximized banking center revenues, sales, client satisfaction and minimizing operating risks/losses
  • Functioned as the Privacy Officer for unit, ensuring understanding and compliance with keeping the client and bank information secure and private
02/2006 to 01/2008 Assistant Branch Manager Regions Financial Corporation | City, STATE,
  • Managed the day-to-day sales and operations of the branch and staff
  • Developed sales goals, personally achieving those sales goals, and assisted in ensuring staff achieved their sales goals
  • Monitored branch service quality levels and coached staff to achieve appropriate levels
  • Assisted in keeping branch in compliance with all bank policies and procedures
  • Ensured compliance, audit and security procedures are adhered to at branch location
  • Identified and maximized cross-sales opportunities through customer profiling; enhanced customer relationships by telemarketing bank products; ensured customer was referred to correct line of business
  • Coordinator for the "At-Work" program designed to promote  the bank through presentations in the work place.

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Resume Overview

School Attended

    Job Titles Held:

    • Commercial Lender
    • Business Banking Officer
    • Branch Manager/AVP
    • Branch Sales Manager
    • Manager of Personal & Business Banking
    • Assistant Branch Manager


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