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Commercial lender skills for your resume and career
15 commercial lender skills for your resume and career
1. Commercial Loans
- Closed over $13,000,000 in commercial loans during 2007, while keeping delinquent loan status below bank standards.
- Closed $90 million in commercial loans in one year, earning company award for over-quota performance.
2. Customer Relationships
Customer relationships are the interactions and efforts made by a company to improve its customer service. Customer relationships cover not just all of the essential roles performed by customer support, but also the initiatives made before and after the interaction with a customer.
- Supported consumer and commercial portfolio growth by identifying cross-selling opportunities while expanding customer relationships and increasing client base.
- Manage $11,000,000-$14,000,000 loan portfolio* Present loan packages to Board* Underwrite loans* Establish customer relationships for Bank
3. Loan Applications
A loan application is a form of request presented by a person to a financial institution for the approval of a loan. This application form carries detailed information regarding the petitioner's identification information, financial competence, and sources of income that indicate whether he can return the loan back or not.
- Mitigated exposure to risk by analyzing loan applications to accurately assess credit worthiness of borrowers.
- Performed credit screening and analysis of commercial loan applications.
4. Loan Portfolio
- Managed existing loan portfolio effectively, which translated to a decline in portfolio delinquency and improvement in portfolio credit quality.
- Started with bank in 2001 as Consumer Lender / Mortgage Lender; also responsible for indirect lending and student loan portfolio.
5. Credit Analysis
Credit analysis is the process of evaluating a person's or company's ability to repay their debts.
- Prepared Credit Analysis including financial statement spreads, ratio computations, pricing matrices, and personal cash flow analysis.
- Learned basic structure of credit analysis, which included analyzing tax returns, credit scores and income statements.
6. Bank Products
Those products which a bank offers to its customers are called bank products. There a variety of services that a bank offers to attract customers. Some of the banking products/ services are: giving loans, overdrafts, check payments, exchange of foreign currency, consultancy services credit, debit and ATM cards, home and online banking.
- Achieved personal production goals by effectively leveraging bank products and services offered.
- Initiated promotion of bank products utilizing various marketing and advertising methods.
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Small Business Administration or SBA refers to a government agency that offers assistance to small businesses. They work with individuals starting or growing their businesses. The agency has a website that contains various tools such as training programs and business plans to help small businesses.
- Monitored loans to ensure proper documentation with respect to items such as periodic calculation of ratios and SBA requirements.
- Established contacts within SBA to gain competitive advantage on knowledge of regulation changes and timely processing of applications.
8. Origination
- Provide administrative support for Systems platforms that drive the operations primarily for collections, consumer lending and mortgage origination.
- Co-managed a portfolio of $275MM with a senior relationship manager facilitating underwriting, renewals and origination.
9. Financial Analysis
- Perform financial analysis on all high level credits throughout the bank.
- Provided expansion financing to small companies including performing financial analysis, providing technical assistance, and structuring loans.
10. Financial Statements
A financial statement is a report of an individual or a company that includes all the information about the declared assets, the use of money, income, and also the contribution of shareholders over a certain period.
- Analyzed financial statements to globally understand cash flow and the company's ability to repay debt.
- Analyze tax returns and financial statements for new credit requests, annual reviews and work outs.
11. Loan Terms
- Determined member qualifications and recommends loan terms to management.
- Negotiated loan terms and structure then presented recommendations to Senior Management.
12. Treasury
- Handled Treasury transaction interfacing with internal and external customers, ensuring excellent maintenance of cash payments and deposits.
- Marketed credit, treasury management, interest rate management and other non-credit products to existing customers and qualified prospects.
13. Loan Committee
- Participated in weekly Loan Committee meetings and presented loan requests to regular and Board of Director meetings.
- Participated in in-house loan committee meetings.
14. Financial Services
Financial services are economic services that are offered by the finance sector, which includes banks, financial institutes credit-card agencies, insurance companies, accountancy firms, and others that handles assets. Organizations in the financial services sector are concerned with money and risk management.
- Structured $2.5 billion+ of leveraged financings in natural resources, industrial, financial services, real estate and retail.
- Job functions also involved selling financial services and obtaining new business for area automobile dealerships.
15. Cross-Selling
- Handled all commercial lending needs, from loans to cross-selling checking and trust services.
- Identified and executed cross-selling activities throughout multiple areas of the bank.
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List of commercial lender skills to add to your resume
The most important skills for a commercial lender resume and required skills for a commercial lender to have include:
- Commercial Loans
- Customer Relationships
- Loan Applications
- Loan Portfolio
- Credit Analysis
- Bank Products
- SBA
- Origination
- Financial Analysis
- Financial Statements
- Loan Terms
- Treasury
- Loan Committee
- Financial Services
- Cross-Selling
- Lenders
- Treasury Management
- Commercial Banking
- Real Estate Loans
- Business Relationships
- Cash Flow
- Credit Quality
- Cash Management
- Regulatory Compliance
- Business Administration
- Financial Data
- Credit Underwriting
- Loan Approval
- Tax Returns
- Business Development
- Business Loans
- Loan Closings
- Business Clients
- Cash Flow Analysis
- Credit Policy
- Merchant Services
- Consumer Loans
- Loan Programs
- Financial Reports
- Client Relationships
- Customer Service
- Construction Loans
- Outbound Calls
- Commercial Property
Updated January 8, 2025
