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Small business banking officer skills for your resume and career

Updated January 8, 2025

2 min read

Below we've compiled a list of the most critical small business banking officer skills. We ranked the top skills for small business banking officers based on the percentage of resumes they appeared on. For example, 13.4% of small business banking officer resumes contained financial statements as a skill. Continue reading to find out what skills a small business banking officer needs to be successful in the workplace.

15 small business banking officer skills for your resume and career

1. 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.

Here's how small business banking officers use financial statements:

Read financial statements, build a referral network, cross sell other credit union products, and other assigned duties.
Analyzed financial ratios, financial statements, and business projections.

2. 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.

Here's how small business banking officers use business development:

Partnered with branch personnel from four office for business referrals and business development.
Participated in consumer/business development activities.

3. Cash Management

Here's how small business banking officers use cash management:

Coordinate structuring and execution across multiple bank products including credit and cash management products.
Enhanced risk management and customer satisfaction through security training and comprehensive risk profiles for cash management customers.

4. Financial Analysis

Here's how small business banking officers use financial analysis:

Determined compliance and exposure risk by performing and maintaining financial analysis, collateral evaluation, and document review.
Conduct in-depth financial analysis to determine inherent credit risk and loan feasibility, negotiate and structure loans.

5. 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.

Here's how small business banking officers use financial services:

Performed expert marketing of financial services within the commercial banking sector focused on businesses in the Memphis, Tennessee area.
Provided superior customer service through listening to customers, anticipating their needs, and recommending financial services.

6. Merchant Services

Here's how small business banking officers use merchant services:

Worked with business owners and managers to provide information on merchant services, business loans, and checking accounts.
Developed and leveraged strategic partners to drive sale results with lending, mortgage, payroll and merchant services.

7. Commercial Banking

Here's how small business banking officers use commercial banking:

Launched a commercial banking sector for First South Credit Union.
Promoted from Direct Banking Associate/Loan Processor to Sr. Commercial Banking Assistant

8. Cross-Sell

Cross-selling is the activity of selling various products or services to a consumer to add the sale value.

Here's how small business banking officers use cross-sell:

Managed commercial customer portfolios by using profile analysis to identify cross-sell opportunities to sell other products and services.
Increased cross-sell in the branch through consistent needs assessment conversations that identified additional opportunities and referrals.

9. 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.

Here's how small business banking officers use loan applications:

Submitted 6 million in loan applications in the first year.
Assist Bankers and Portfolio Managers in procuring documentation and information essential to loan application processing and portfolio management.

10. Commercial Loans

Here's how small business banking officers use commercial loans:

Developed new business consisting mainly of commercial loans and depository relationships.
Initiated process for business/individual loans including mortgages/2nd lien, modifications, and SBA/commercial loans.

11. Business Loans

Here's how small business banking officers use business loans:

Credit; transitioned to area needing new procedures for faster processing of government insured small business loans.
Recruit and develop Small Business loans and lines of credit of up to $500m.

12. Business Products

Here's how small business banking officers use business products:

Handled investigations for client inquiries requiring knowledge of specialized business products.
Cross train the branch staff on business product referrals.

13. 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.

Here's how small business banking officers use sba:

Collect on Small Business workout accounts with a minimal loan amount of [ ] Process all SBA secured loans for repayment.
Utilized all SBA credit facilities including, but not limited to SBA 504, SBA 7A and SBA 66 loan programs..

14. Origination

Here's how small business banking officers use origination:

Facilitated the origination process; managed re-looks with corporate small business lending group.
Automated risk management strategies and regulatory compliance requirements through the bank's loan origination system.

15. Loan Portfolio

Here's how small business banking officers use loan portfolio:

Maintain the loan portfolio by minimizing delinquent loans; undertake timely renewal of existing loans.
Monitor an existing commercial real loan portfolio to ensure proper risk ratings and early identification of potential problems.

What skills help Small Business Banking Officers find jobs?

Tell us what job you are looking for, we’ll show you what skills employers want.

List of small business banking officer skills to add to your resume

The most important skills for a small business banking officer resume and required skills for a small business banking officer to have include:

Financial Statements
Business Development
Cash Management
Financial Analysis
Financial Services
Merchant Services
Commercial Banking
Cross-Sell
Loan Applications

Commercial Loans
Business Loans
Business Products
SBA
Origination
Loan Portfolio
Business Clients
Consumer
Treasury

Loan Production
Business Relationships
Treasury Management
Real Estate
Customer Issues
Referral Network
Financial Products

Updated January 8, 2025

Zippia Team

Editorial Staff

The Zippia Research Team has spent countless hours reviewing resumes, job postings, and government data to determine what goes into getting a job in each phase of life. Professional writers and data scientists comprise the Zippia Research Team.

Updated January 8, 2025

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