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Commercial Loan Specialist Bank Officer resume example with 16+ years of experience

Jessica Claire
  • , , 609 Johnson Ave., 49204, Tulsa, OK 100 Montgomery St. 10th Floor
  • H: (555) 432-1000
  • C:
  • resumesample@example.com
  • Date of Birth:
  • India:
  • :
  • single:
Summary

Focused on meeting and exceeding customer expectations at every turn, operating with a forward-thinking approach and maximizing customer satisfaction with a hands-on style. Proficient in minimizing risk, maintaining compliance and working within established bank guidelines for loan feasibility. Fluent in English. Currently handling a $200MM portfolio for 5 Officers, including the Chief Lending Officer/Executive Vice President.

Skills
  • Reviewing credit information
  • Fee structures
  • Applicant relations
  • Market understanding
  • Checking applications
  • Closing execution proficiency
  • Debt and credit management
  • Equifax Application Engine
  • Customer service-focused
  • Collections proficiency
  • Account coding aptitude
  • Bottom Line LoanMaster Loan Servicing
  • Bank security issues
  • Work ethic
  • Maintenance & Repair
  • Communication
  • Conflict resolution
Experience
Commercial Loan Specialist/Bank Officer, 03/2015 - Current
InsBank City, STATE,
  • Developed and deepened customer relationships by providing exceptional service at all stages of underwriting process.
  • Interviewed applicants and reviewed financial, credit, and property details for each application.
  • Ordered and evaluated corporate business statements.
  • Handled a workload of more than 200 customers on a rolling basis.
  • Adhered to applicable Federal and State laws and regulations.
  • Educated customers on a variety of loan products and available credit options.
  • Created financial analysis reports of commercial real estate, borrowers' financial statements, lease reviews and market research.
  • Recommended loan terms, conditions and collateral position consistent with client request and associated loan risks and set clear and realistic expectations with clients.
  • Secured monthly approvals from management for problematic small business and commercial loans.
  • Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
  • Met with applicants to obtain information for loan applications and answer questions about processes.
  • Listened carefully to customer complaints and swiftly resolved issues by taking appropriate action.
  • Observed all corporate and federal regulatory policies in terms of data security, privacy and confidentiality.
  • Spent ample time with each applicant to break down complex information into terms that were easy to understand.
  • Identified valuable solutions for customers with credit problems.
  • Reviewed credit histories from applicants and determined feasibility of granting requested loans.
  • Helped customers make decisions about loans and lines of credit based on availability, terms, and benefits.
  • Cultivated partnerships with individuals and firms to better promote products meeting customers' needs.
  • Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.
  • Met with applicants to obtain information to streamline loan application process, fielding questions regarding steps.
  • Assessed feasibility of loan approval by reviewing financial histories, available credit and current employment.
Commercial Loan Assistant/ AVP , 10/2012 - 03/2015
Pinnacle Bank City, STATE,
  • Supported commercial loan team in clerical tasks and loan processing duties.
  • Offered administrative task assistance, including database updates, email communication and document processing.
  • Assisted loan officers with application data acquisition and verification.
  • Provided superior client service through follow-up communication.
  • Maintained client retention and loyalty through proactive status updates.
  • Examined and verified information in loan application and closing documents.
  • Organized, filed and maintained customer, department and regulatory loan records.
  • Submitted completed loan applications, including recommendations for underwriting approval or denial.
  • Worked with third-party vendors to address and clear loan closing requirements.
  • Checked applicant credit, personal references and employment histories.
  • Prepared and delivered loan documents to title and escrow teams.
  • Assembled and compiled title abstracts, insurance forms, loan documents and tax receipts.
  • Conveyed acceptance or rejection to customers by mail, telephone or in person.
  • Reviewed historical customer accounts to assess payment compliance and adherence to loan terms.
  • Carried out pre-funding and funding functions for more than 50 cases per month.
  • Worked successfully with diverse group of coworkers to accomplish goals and address issues related to our products and services.
  • Worked closely with team members to deliver project requirements, develop solutions and meet deadlines.
  • Prioritized and organized tasks to efficiently accomplish service goals.
  • Juggled multiple projects and tasks to ensure high quality and timely delivery.
  • Demonstrated self-reliance by meeting and exceeding workflow needs.
Commercial Loan Assistance, 05/2005 - 10/2012
Tennessee Commerce Bank City, STATE,
  • Supported commercial loan team in clerical tasks and loan processing duties.
  • Offered administrative task assistance, including database updates, email communication and document processing.
  • Assisted loan officers with application data acquisition and verification.
  • Provided superior client service through follow-up communication.
  • Maintained client retention and loyalty through proactive status updates.
  • Organized, filed and maintained customer, department and regulatory loan records.
  • Submitted completed loan applications, including recommendations for underwriting approval or denial.
  • Worked with third-party vendors to address and clear loan closing requirements.
  • Checked applicant credit, personal references and employment histories.
  • Prepared and delivered loan documents to title and escrow teams.
  • Assembled and compiled title abstracts, insurance forms, loan documents and tax receipts.
  • Conveyed acceptance or rejection to customers by mail, telephone or in person.
  • Reviewed historical customer accounts to assess payment compliance and adherence to loan terms.
  • Carried out pre-funding and funding functions for more than 30 cases per month.
  • Worked successfully with diverse group of coworkers to accomplish goals and address issues related to our products and services.
  • Worked closely with team members to deliver project requirements, develop solutions and meet deadlines.
  • Prioritized and organized tasks to efficiently accomplish service goals.
  • Juggled multiple projects and tasks to ensure high quality and timely delivery.
  • Demonstrated self-reliance by meeting and exceeding workflow needs.
Education and Training
High School Diploma: , Expected in 06/1990
-
Howard Career Center - Wilmington, DE,
GPA:

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Resume Overview

School Attended

  • Howard Career Center

Job Titles Held:

  • Commercial Loan Specialist/Bank Officer
  • Commercial Loan Assistant/ AVP
  • Commercial Loan Assistance

Degrees

  • High School Diploma

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