Commercial Lender resume example with 14+ years of experience
JessicaClaire
Montgomery Street, San Francisco, CA94105(555) 432-1000, resumesample@example.com
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.
Skills
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 CurrentCommercial LenderGlacier 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 03/2016Business Banking OfficerNortheast 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 04/2013Branch Manager/AVPCb&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 09/2012Branch Sales ManagerHope 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 07/2010Manager of Personal & Business BankingRBC 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 01/2008Assistant Branch ManagerRegions 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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