COMMERCIAL LENDING OFFICER RESUME EXAMPLE
Published: July 26, 2024 - The Commercial Lending Officer assesses client financial needs, structures loans, and guides the underwriting process to ensure optimal loan terms and pricing. This role involves monitoring the loan portfolio, enhancing client relationships, and contributing to the bank's growth by engaging with community influencers. Active participation in various bank committees underscores the officer's integral role in shaping financial strategies and managing client risks.
Tips for Commercial Lending Officer Skills and Responsibilities on a Resume
1. Commercial Lending Officer, Central Bank and Trust, Lexington, KY
Job Summary:
- Determines financial needs with existing and prospective customers.
- Reviews loan analyses to determine credit worthiness of loan prospects
- Prepares loan packages for and presents to the Credit Committee
- Works with customers to determine mutually acceptable lending arrangements
- Monitors current loans and credit lines to ensure conformity with loan terms and to detect slow payment trends or deterioration in collateral or the customer's financial condition.
- Calls on potential customers and introduces the Bank's financial products and services
- Visits with existing customers regarding additional needs
- Visits with referral sources regarding new business
- Contacting and working with attorneys, accountants, title companies, appraisers
- Maintains awareness of and involvement in community, civic and professional activities
- Attends and participates in Bank meetings
Skills on Resume:
- Financial Needs Assessment (Hard Skills)
- Credit Analysis (Hard Skills)
- Loan Packaging (Hard Skills)
- Negotiation (Soft Skills)
- Loan Monitoring (Hard Skills)
- Business Development (Soft Skills)
- Professional Networking (Soft Skills)
- Community Involvement (Soft Skills)
2. Commercial Lending Officer, First State Community Bank, Farmington, MO
Job Summary:
- Consult with potential and existing clients to determine financial needs
- Gather and review financial information needed for underwriting process of commercial loans
- Review underwriting and determine proper structure, pricing and terms
- Complete narratives to recommend for loan approvals
- Assist in the entire loan process from origination to closing loans
- Monitor existing loan portfolio for financial reporting, covenant requirements, and overall credit performance of client relationships
- Advise other financial services to clients such as Trust/Investments, and Retail services
- Actively engage with Centers of Influence to develop new business opportunities
- Support Management in the strategic initiatives for the growth and profitability of the bank
- Attend Directors Loan Committee, Officers Loan Committee, and other committees
- Determines disposition of daily overdrafts
Skills on Resume:
- Client Consultation (Soft Skills)
- Financial Information Analysis (Hard Skills)
- Loan Structuring (Hard Skills)
- Narrative Writing (Hard Skills)
- Loan Processing (Hard Skills)
- Portfolio Management (Hard Skills)
- Financial Advisory (Soft Skills)
- Strategic Business Development (Soft Skills)
3. Sr. Commercial Lending Officer, Summit Financial Group, Reno, NV
Job Summary:
- Developing new business, performing all loan activities within prescribed limits, and servicing a major loan portfolio.
- Sales Leadership of the commercial and ag loan teams
- Oversight of credit administration of the total loan portfolio
- Ultimate responsibility for overall credit quality.
- Participating in sales development activities.
- Guides the department and other officers in the development and analysis of financial background data for new or renewed loans
- Serves on the bank and holding company loan committees and other committees as necessary
- Represents the bank in the community through various memberships and involvement in civic, social, and community activities.
Skills on Resume:
- Sales Leadership (Soft Skills)
- Loan Management (Hard Skills)
- Credit Administration (Hard Skills)
- Quality Control (Hard Skills)
- Business Development (Soft Skills)
- Financial Analysis (Hard Skills)
- Committee Leadership (Soft Skills)
- Community Engagement (Soft Skills)
4. Commercial Banking (Lending) Officer, Heritage Banking Group, Meridian, MS
Job Summary:
- Calls on existing or potential customers to develop new business and increase and retain existing business.
- Attends to the needs of customers seeking loans or lines of credit.
- Interviews applicants, typically at place of business, to develop credit information in order to determine if a loan is an acceptable risk.
- Makes decisions on loans and terms within lending limits or makes recommendations to the Board of Directors, the President, or the Senior Loan Officer.
- Provide assistance to junior lenders, branch personnel, and support staff
- Participate in the Business Development Program of the Bank.
- Contribute to the establishment of policies and procedures under the guidelines established by the Board of Directors and senior management
- Required to attend or participate in necessary compliance training, including but not limited to BSA, Security, Information Technology, OFAC, Privacy, and applicable BVS courses.
- Perform other related duties as requested by the Board of Directors, the President, or the Senior Loan Officer.
Skills on Resume:
- Customer Relationship Management (Soft Skills)
- Credit Analysis (Hard Skills)
- Risk Assessment (Hard Skills)
- Decision Making (Soft Skills)
- Mentoring (Soft Skills)
- Business Development (Soft Skills)
- Policy Formulation (Hard Skills)
- Regulatory Compliance (Hard Skills)