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Commercial loan officer skills for your resume and career
15 commercial loan officer skills for your resume and career
1. Customer Service
Customer service is the process of offering assistance to all the current and potential customers -- answering questions, fixing problems, and providing excellent service. The main goal of customer service is to build a strong relationship with the customers so that they keep coming back for more business.
- Ensured exceptional customer service by maintaining thorough knowledge of lending programs, policies, procedures and regulatory requirements.
- Established and maintained strong client relationships providing excellent customer service by promptly researching and resolving account issues.
2. Loan Portfolio
- Administered Commercial Loan Credit Department with responsibility for evaluating quality of commercial loan portfolio of all business and real-estate loans.
- Enhanced institution s profitability and operation by performing credit analyses while managing, reviewing, and analyzing loan portfolios.
3. 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.
- Performed financial analysis using the Financial Statements provided by the business entities and other related business data to determine cash flow.
- Performed in-depth analysis of business financial statements, collateral value, and overall credit risk to present for executive consideration.
4. Business Development
Business development is the ideas or initiatives that work to make business work better. Selling, advertising, product development, supply chain management, and vendor management are only a few of the divisions involved with it. There is still a lot of networking, negotiating, forming alliances, and trying to save money. The goals set for business development guide and coordinate with all of these various operations and sectors.
- Acquired and serviced commercial/business loans, commercial real estate loans and bank services in accordance with individually established business development goals.
- Accomplished business development through aggressive sales efforts resulting in quality growth of client relationships and accounts.
5. Commercial Loans
- Shared responsibility for insuring profitability, efficiency and effectiveness of commercial loans through processing transactions and maintaining account relationships
- Performed internal annual bank audits which included financial and historical analysis of corresponding commercial loans in portfolio.
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.
- Developed and maintained relationships with customers and identified cross-sell opportunities of bank products and services.
- Marketed bank products and expanded small business market commercial portfolio.
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- Audit loan documentation to ensure compliance with government regulations while ensuring completeness and timely filing of applications.
- Coordinate loan documentation preparation, review documents and assists with finalization of loan agreements prior to closing.
8. Business Relationships
- Called on potential and existing customers to develop new business, increase and retain existing business relationships.
- Developed new commercial and retail business relationships bringing existing clients from previous employer.
9. Bank Policies
- Maintain and/or create budgets, track project equity, and completion requirements per credit approval and bank policies.
- Ensured compliance with bank policies, collected on delinquent debt to reduce risk of capital loss.
10. Credit Analysis
Credit analysis is the process of evaluating a person's or company's ability to repay their debts.
- Experienced in application interviewing and perceptive character judgment, loan structuring, credit analysis, and monitoring credit performance.
- Conducted needs assessments, credit analysis and underwriting, oversaw applications and delivered loans to businesses.
11. Bank Secrecy Act
- Maintain regulatory compliance including Bank Secrecy Act.
- Complied with regulatory requirements, including the Bank Secrecy Act, Anti-Money Laundering, Privacy Act and Community Reinvestment Act.
12. SBA
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.
- Integrated SBA specific policies and procedures into Bank's existing loan policy to ensure compliance with all SBA regulations and guidelines.
- Cross Sale banking products outside of the loan department including brokerage, trust, estate management, and SBA loans.
13. Financial Analysis
- Assist other lenders and credit analysts in determining proper financial analysis techniques and interpretation of loan policy.
- Conducted independent financial analysis and decision making skills to achieve loan funding goals.
14. Real Estate Loans
- Interview applicants and recommend approval of customer applications for commercial real estate loans.
- Originated and serviced consumer real estate and non-real estate loans, as well as commercial real estate and non-real estate loans.
15. Loan Committee
- Interviewed applicants, analyzed financial information to determine credit eligibility and prepared narratives for presentation to executive loan committee.
- Provide credit recommendations to supervisors, senior management and loan committee members, ensuring accuracy and honesty.
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What skills help Commercial Loan Officers find jobs?
Tell us what job you are looking for, we’ll show you what skills employers want.
What skills stand out on commercial loan officer resumes?
Dr. Bert Greenwalt
Professor of Agricultural Economics, Arkansas State University
-1-3 yrs. experience in the agribusiness sector
What soft skills should all commercial loan officers possess?
Dr. Bert Greenwalt
Professor of Agricultural Economics, Arkansas State University
-Ability to explain complex concepts
What hard/technical skills are most important for commercial loan officers?
Dr. Bert Greenwalt
Professor of Agricultural Economics, Arkansas State University
-Critical thinking skills
-Understanding of farm business management and finance
List of commercial loan officer skills to add to your resume
The most important skills for a commercial loan officer resume and required skills for a commercial loan officer to have include:
- Customer Service
- Loan Portfolio
- Financial Statements
- Business Development
- Commercial Loans
- Bank Products
- Loan Documentation
- Business Relationships
- Bank Policies
- Credit Analysis
- Bank Secrecy Act
- SBA
- Financial Analysis
- Real Estate Loans
- Loan Committee
- Loan Terms
- Credit Risk
- Loan Policy
- Due Diligence
- Credit Quality
- Client Relationships
- Credit Worthiness
- Cash Flow
- Cross-Selling
- Origination
- Strong Analytical
- Bank Services
- Commercial Banking
- Booking
- Loan Applications
- Loan Approval
- Portfolio Management
- Cash Management
- Fee Income
- Credit Approval
- Customer Relationships
- Financial Reports
- Tax Returns
- Credit Policy
- Loan Packages
- Credit Underwriting
- Credit Analysts
- Loan Programs
- Financial Performance
- Credit Reports
- Loan Request
- Financial Data
- Loan Production
- Problem Loans
- Loan Closings
Updated January 8, 2025
