COMMERCIAL LENDER SKILLS, EXPERIENCE, AND JOB REQUIREMENTS
Published: July 26, 2024 - The Commercial Lender position demands extensive experience in Commercial/Small Business Lending, underpinned by a solid understanding of local market dynamics and commercial lending regulations. Responsibilities include credit analysis, underwriting, and managing commercial loans and deposit/treasury products, ensuring adherence to legal standards. Equipped with strong organizational, time management, and communication skills, the ideal candidate delivers exemplary service, demonstrating leadership and commitment in every interaction.
Essential Hard and Soft Skills for a Standout Commercial Lender Resume
- Credit Analysis
- Risk Assessment
- Financial Modeling
- Loan Structuring
- Regulatory Compliance
- Portfolio Management
- Commercial Real Estate Evaluation
- Interest Rate Calculation
- Debt Service Coverage Ratio Analysis
- Collateral Valuation.
- Negotiation
- Communication
- Decision-Making
- Problem-Solving
- Customer Service Orientation
- Leadership
- Empathy
- Adaptability
- Attention to Detail
- Conflict Resolution.
Summary of Commercial Lender Knowledge and Qualifications on Resume
1. BA in Finance with 3 years of Experience
- Work-related experience must include Commercial/Small Business Lending.
- Good level of local market knowledge.
- Understanding of commercial lending laws and regulations.
- Excellent organizational and time management skills.
- Passion and commitment to great member service and ability to lead by example by consistently delivering the service process to every member, employee, vendor, and members of the community serviced by client.
- Strong communication skills
- Demonstrated credit analysis/underwriting experience.
- Knowledge of commercial loan and deposit/treasury products.
- Computer proficiency with word processing and spreadsheet software.
- Strong organization skills.
2. BA in Business Administration with 4 years of Experience
- Must have proficient knowledge of Microsoft Office software
- Must have a basic understanding of accounting and finance
- Must have knowledge of applicable federal and state laws and regulations and knowledge of Bank policies and procedures
- Must have analytical, decision-making, and problem solving skills
- Must be able to balance multiple tasks and projects simultaneously within a limited time frame
- Must be able to pay attention to detail and have strong organizational, communication and customer relation skills
- Must have the ability of instructing, assigning new work, maintaining standards, allocating personnel
- Ability to reviewing work, coordinating activities, planning work for others and acting on employee problems
- Must be able to pass background and screening process.
- Efficient use of Outlook, Word, and Excel applications.
3. BA in Economics with 2 years of Experience
- Commercial lending experience in C&I and CRE.
- Effective sales ability and persuasiveness.
- Excellent verbal and written communication skills
- Proficient in bank information systems and software.
- Successful commercial lending relationship management experience.
- Ability to build and grow a diverse portfolio of business products with growing entrepreneurial businesses
- Customer-focused thinker
- Strong customer and people relationship skills
- Proficient credit analysis knowledge and skills
- Proven experience prioritizing and handling multiple customer relationships at the same time.
4. BA in Accounting with 5 years of Experience
- Commercial Lending working experience
- Must have formal credit analysis training and working experience in applying
- Proficiency in Microsoft Office Products
- Demonstrated ability to grow and manage customer relationships
- Ability to organize and analyze complex financial data
- Knowledge and understanding of all federal and state regulations regarding lending and related departments.
- Excellent analytical and mathematical skills and ability to make a credit decision
- Excellent verbal and written communication skills
- Demonstrated a high level of professionalism and maturity
- Ability to work off normal work schedule to meet customer needs as well as attend community functions and events for business development
5. BA in Real Estate with 3 years of Experience
- Demonstrated computer proficiency in software packages such as Microsoft Word, Excel and various mainframe systems.
- Ability to handle detail oriented transactions.
- Excellent reading, writing, mathematical, and organizational skills.
- Demonstrated effective interpersonal relationships and teamwork.
- Professional verbal and written communication skills.
- Strong interpersonal skills, using considerable tact, diplomacy, and judgment.
- Strong organizational, customer service, and decision-making skills.
- Strong conflict management skills, a keen sense of observation
- Ability to act with tact and diplomacy, and most of all the ability to handle stressful situations with ease.
- Familiarity with the lending process.
6. BA in Banking and Finance with 4 years of Experience
- Positive Attitude, Professionalism, Trustworthiness, Availability, Work Ethic, and Collaborative Spirit
- Detail-oriented and organized
- Experience selling a variety of commercial loan and depository products and services area.
- A proven track record of success with verifiable goal achievement that shows consistent top performance year after year.
- A great teamwork attitude.
- Strong ability to evaluate the viability of commercial loan requests.
- Strong relationship-building skills.
- Have knowledge of all applicable bank regulations and compliance
- Technology skills in Microsoft Office and other bank software and applications.
- Have critical thinking skills to solve issues and make sound recommendations.
- Solid understanding of credit along with strong communication and organizational skills