small business specialist resume example with 14+ years of experience

Jessica Claire
Montgomery Street, San Francisco, CA 94105 (555) 432-1000,
Skills & Abilities
  • PP&E Appraisal Review
  • Commercial Lease Review
  • Analyzing Data
  • Credit Risk Review
  • Financial Statements Expertise
  • Sound Credit Decisions
  • High-risk Account Reviews
  • Attention to Detail
  • Commercial Credit Reports
  • Building Strong Relationships
  • Working Collaboratively
  • Work ethic
Education and Training
Expected in 09/2014 to to Bachelor of Science | Finance University of Massachusetts Amherst, Amherst, MA GPA:
Executive Summary

Senior credit professional with 8-10 years of experience in commercial credit underwriting. Experience includes working with small business products such as equipment loans and leases, term loans, SBA 7(a) SBA 504, revolving lines of credit, & CRE. Experience with different loan structures inclusive of short-term and long-term loans, secured and unsecured for C&I, Manufacturing, Healthcare, Construction, Real Estate, and Professional Corporations. Formal credit training from ABA and previous experience working in a commercial bank or financial institution underwriting equipment and operating capital transactions inclusive of collateral review and evaluation.

12/2021 to Current Small Business Specialist Bankunited Financial Corporation | Sarasota, FL,
    • Conducted primary and secondary research to better understand customer needs and behaviors.
    • Analyzed data to uncover insights and identify key opportunities to inform strategic decisions.
    • Tracked key metrics and developed spreadsheets and data models.
    • Assembled reports and presentations to share insights and recommendations with stakeholders.
    • Utilized specialized software to capture and process data.
    • Used various market research tools and techniques to gather, analyze and interpret data.
    • Determined needs, delivered solutions, and overcame objections through consultative selling skills.
    • Answered customers' questions regarding products, prices, and availability.
    • Used CRM software to maintain detailed contact logs and account records.
    • Negotiated prices and terms of sales with potential customers to reach mutually beneficial agreement.
    • Set up new accounts, established customer credit and set up payment methods.
    • Increased sales with execution of full sales cycle processing from initial lead processing through conversion and closing.
    • Met existing customers to review current services and expand sales opportunities.
    • Worked with sales team to collaboratively reach targets, consistently meeting or exceeding personal quotas.
    • Attended monthly sales meetings and quarterly sales trainings.
11/2018 to 12/2021 AVP, Senior Credit Analyst Enterprise Bank | Creve Coeur, MO,
  • Analyze creditworthiness of business loan applications, specifically equipment loans, by examining financial statements and credit reports of applicants
  • Determine appropriate loan structure, term, and interest rate based on risk assessment and loan policy guidelines. If credit is secured, ensure that terms and pricing were in line with remaining useful life of asset. Conducted appropriate UCC searches.
  • Assessed credit risk and analyzed financial statements.
  • Review business's financial information provided (including, but not limited to: IRS Tax Returns/Transcripts, CBRs, Dun & Bradstreet reports, company & CPA prepared financial statements, asset & depreciation schedules, and other business documents).
  • Review and analyze all third-party items including appraisals, environmental, soil, and engineering reports, and any supplemental information to such reports.
  • Owned third-party appraisal review process, through analyzing inventory, machinery, equipment, and intangible asset appraisals performed by third-party firms. Intermediate experience working with collateral life-cycle curves.
  • Made decisions and recommendations about extending personal/business lines of credit for both secured & unsecured, term loans, and equipment leases.
  • Review and analyze financial and credit documentation for complex entity structures (including, but not limited to pass through-entities, multiple ownership, parent & holding companies)
  • Spread financial statements using various software such as Moody's Financial Analysis, Credit Suite, Excel, & NCino, etc
  • Responsible for reporting findings and loan approval, risks, and mitigates to credit committee executives both verbally and in written analysis.
  • Collaborate with loan processing team to ensure timely and accurate loan documentation and funding
  • Conduct ongoing monitoring of loan portfolio, identifying necessary risk management actions and remediation approaches
  • Maintain strong relationships with loan applicants, by providing exceptional customer service and support throughout loan process
  • Research competitive landscape and proactively identify new loan products and program enhancements to improve sales and profitability metrics
  • Present loan applications and recommendations, communicating key findings and recommendations to management and credit committee members
03/2016 to 11/2018 Commercial Credit Analyst F&M Trust | Camp Hill, PA,
  • Analyzed construction costs budget, contractor estimates, building plans and architectural design drawings, change order requests, construction progress completion reports, and overall scope of project sufficiency which included review and final determination of feasibility studies, market data reports, appraisal reports, environmental reports, and evaluated Capital Needs Assessments and associated draft construction scopes and budgets.
  • Underwritten, structured, and conditioned multi-family construction loans using appropriate ratios such as loan-to-costs, loan-to-value, project pro forma debt coverage, net worth to loan size, and profit ratio. Analysis included receipt and review of business financial statements, and personal tax returns of principals and guarantors.
  • Analyze weekly/monthly financial reports, leasing reports, and leasing progress for assigned real estate assets to determine if project was meeting established parameters, vacancy/occupancy, and ongoing cash flow generating ability.
  • Responsible for reporting findings and loan approval, risks, and mitigates to credit committee executives both verbally and in a written analysis.
  • Analyze and make recommendations about real estate projects to include capital contributions, distributions, and manager fees related to each assigned real estate. Prepared complex formal written credit underwriting for commercial credit facilities exceeding $5 million, including analysis of financial statements, cash flow, forecasts, industry trends, collateral adequacy, and risk analysis ensuring compliance with policy and approval documents.
04/2015 to 03/2017 Commercial Credit Analyst F&M Trust | Carlisle, PA,
  • Conducted financial reviews of customer lines of credit by assessing company financials and initiating credit application reviews.
  • Provided Detailed Document Review & Analysis: Calculated net income (proforma), reviewed credit reports, and conducted analyses on Debt-to-Income & liquidity/leverage ratios; evaluate financial strength of borrowers to determine risk and repayment capacity.
  • Utilized credit analysis skills to determine cash flow ability; assign risk ratings to loans; and approve loans consistent with credit policy. Recommended counter-offers when cash flow was weak and negotiated collateral.
  • Developed quantitative analysis to assess credit risk for assigned credits of Bank; formulate loan review plan based on findings.
  • Performed independent loan reviews to evaluate creditworthiness of obligor and to ensure that risk rating accurately reflects risk profile of borrower
  • Made decisions and recommendations about extending lines of credit.
  • Analyzed credit scores to determine borrowers' creditworthiness.
  • Conducted presentations to upper management and executive teams for loan recommendations.
  • Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
  • Assessed credit risk and analyzed financial statements.
  • Offered insight to upper management regarding credit decisions.
  • Conducted industry research to understand economic conditions impacting borrower ability to repay loans.
11/2013 to 04/2015 Wire Transfer Specialist Renasant | Chelsea, AL,
  • Processed daily wire transfer transactions according to set policies and procedures.
  • Processed all wires received through Federal Reserve banking system by crediting appropriate bank account.
  • Ensures that accounts receiving credit are in agreement with actual wire instructions received from sending institution.
  • Reviews wire requests validating wire instructions and authorizations. Reviews corrected instructions with client during callback process.
  • Performs Verify callback processing to validate authenticity of outgoing transaction.
  • Performed upfront functions related to processing of Foreign Currency transactions.
  • Determined disposition of transactions received from other financial institutions or clients ensuring accurate and timely processing by following established procedures that meet audit and security standards.
  • Performed research in response to inquiries from our business partners and clients regarding wire processing.
  • Reviewed system reports and performs all daily and monthly reconciliations for wires ensuring that outstanding items are resolved in a timely fashion.
  • Identifies and escalates non-routine issues and exceptions, such as potential fraud situations.
01/2009 to 11/2013 Financial Services Representative Carter Bank | Eden, NC,
  • Worked with clients to provide competitive commercial banking solutions and retail financing plans.
  • Offered competitive commercial banking solutions and retail financing options.
  • Built and deepened productive relationships with prospective and competitive customers to drive sustained growth.
  • Worked with clients to develop financial planning strategies and solutions through evaluation of finances.
  • Managed client financial portfolios to minimize risk and optimize returns.
  • Developed and delivered financial presentations to drive client engagement.
  • Negotiated agreements with clients and suppliers to cultivate favorable terms.
  • Monitored changes in financial markets and kept clients informed of latest developments.
  • Prepared detailed financial reports to monitor and assess portfolio performance.
  • Analyzed and interpreted financial data to inform business decisions.
  • Analyzed financial trends and provided detailed financial reports to management.
  • Advised clients on financial matters and recommended investments.
  • Developed and maintained database of financial records for clients.
  • Negotiated and managed financial contracts with vendors and suppliers.
  • Built and established relationships with clientele to improve future business opportunities.
  • Assisted in preparing business plans and investment strategies.
  • Conducted financial modeling and analysis to identify and assess risks in business operations.

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Resume Overview

School Attended

  • University of Massachusetts Amherst

Job Titles Held:

  • Small Business Specialist
  • AVP, Senior Credit Analyst
  • Commercial Credit Analyst
  • Commercial Credit Analyst
  • Wire Transfer Specialist
  • Financial Services Representative


  • Bachelor of Science

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