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Commercial Banker Resume Samples
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0-5 years of experience
Manage loan portfolio, handle problem loan workouts & compliance issues, and train staff.
- Corrected systemic compliance issues, created system to handle on the front end, ensure staff compliance.
- Managed $40,000,000 loan portfolio consisting of real estate, working capital and line of credit loans.
- Analyzed P&L, balance sheets, AR, & business trends to determine debt structure and investment opportunities.
- Reduced past due loans by 80%, worked on asset sale to pay off uncollectable debt without losing customer relationships.
0-5 years of experience
Served as one of two treasury management specialists within the affiliate.
- Actively called on business clients with revenues of $2MM to $100MM.
- Managed a portfolio of over $81MM in assets.
- Analyzed credit for financing deals ranging from $100K to $20MM.
- Authored and distributed software packages for image archiving that produced monthly revenues of $20K.
- Prepared loan proposals, credit memos, and compiled financial information for loan committee review.
0-5 years of experience
Simultaneously performed duties as a Credit Analyst while using the title “Commercial Banker” to proactively originate bank clientele
- Attended various marketing and networking events to originate prospective clients (i.e. NAWBO or
- Supported a portfolio of approximately $40MM in loan outstanding and $30MM in customer deposits
- Performed commercial underwriting projects and presented full loan requests to directors’ loan
- Spread and analyzed financial statements; identified trends that were used to underwrite risk mitigation
- Worked extensively with commercial loan officers from origination to loan boarding
0-5 years of experience
Developed and implemented a business development marketing strategy that targeted middle market businesses with revenues greater than $10.0 million and credit needs greater than $2.0 million.
- Identified, selected, developed, managed, serviced and expanded relationships offering a full range of loan, deposit and other non-credit services to existing and prospective clients.
- Aggressively called on potential and existing clients to maintain productivity and profitability in lending and non-lending relationships.
- Obtained and evaluated financial information and other relevant facts on borrowers.
- Structured and proposed value-added financial solutions to customers and prospects.
- Maintained active pipeline of loan and cash management prospects.
0-5 years of experience
Developed and managed a commercial loan portfolio ranging from $17 million to $35 million in outstandings
- Cultivated new business relationships through proactive participation in business development activities
- Analyzed credit needs based on review and analysis of company and personal financial information
- Established credit referral pipeline through development of internal and external centers of influence
- Managed commercial delinquency at an acceptable level and ensured
0-5 years of experience
Developed and grew a portfolio of middle market businesses with annual sales greater than $10 million; offering cash management, merchant services, commercial and multi-family mortgages, credit facilities and trade finance, wealth management, escrow management and traditional banking products and services.
- Managed part of a team portfolio of at least 100 client relationships with assets under management of $700 million.
- Developed and sourced new business through cultivation of existing clients, prospecting, internal resources, and networking and third party referral sources.
- Proactive approach to retain and deepen existing relationships through profiling and offering new financial solutions to meet the clients’ growing needs.
- Leveraged relationships with internal partners to familiarize clients, up to and including new strategies to enrich the relationships and source new opportunities.
- Contributed to our team, which was recognized and received quarterly award for lowest cost of funds and dollar growth, in addition to receiving the award for earning the most fee income amongst client base.
0-5 years of experience
Acted as the lead of personal bankers at the commercial department, responsible for handling small business customers.
- Established and enhanced relationships with business customers and potential customers to achieve team sales goals and provide quality customer service.
- Acted as the regulatory supervisor at the branch, maintaining risk awareness and regulatory information.
- Participated at the bank’s advanced credit training programs including corporate lending process, regulations and guidelines, collateral requirements and process.
- Participated and presented at the bank’s credit committee.
- Analyzed various loan requests based on the customers’ financial state.
0-5 years of experience
Identified prospective customers for bank through regular networking
- Analyzed all new credit for customers and ensured credit worthiness.
- Developed new credit facilitates and performed negotiation on fees and interest rates for existing ones.
- Coordinated with account officers to retain existing customers and obtaining new ones for bank
- Developed efficient strategies to regular increase client base to increase businesses.
- Generated new loans and ensured achievement of all production objectives through regular deposits.
- Designed portfolio for all clients and ensured achievement of all bank asset objectives.
0-5 years of experience
Managed a territory consisting of 8 banking centers with a commercial portfolio each averaging of 100-300 clients. Frequently
provided learning opportunities for calculating business valuations and credit analysis.
- Managed and developed an active commercial portfolio over $50 million.
- Conducted monthly regional meetings on cash flow and financial statement analysis.
- Managed the process for underwriting procedures that consisted of calculating debt service coverage and cash flow
0-5 years of experience
Served as primary point of contact for a portfolio of about $50MM to $100MM. Proactively monitored assigned portfolio and performed and documented actions as necessary in accordance with established procedures.
- Solicited, developed, and serviced a wide variety of commercial loans. Loans include real estate owner occupied, investment property, land acquisition/ development and construction, SBA and C&I.
- Performed due diligence and credit analysis in accordance with sound credit principles and established Commercial Lending procedures.
- Created and analyzed financial statement spreads.
- Performed and documented credit analysis in a timely manner, and either agreed with the request or recommended a decision to the individual with appropriate approval authority.
- Effectively communicated with the prospect/customer throughout the underwriting process and within established procedures to answer questions and obtain an additional documentation required to complete the analysis.
- Contacted the client to resolve past due and collection issues, escalating as needed.
- Worked with Loan Operations to resolve operational issues for the client (payment posting, payoff requests, file maintenance, etc).
0-5 years of experience
Conducted community outreach to attract small business clients; leveraged personal account holders for referrals.
- Advised existing and potential customers on the availability and selection of products/services to meet their financial needs.
- Analyzed clients’ business finances and provided proper referrals.
- Supervised a staff of four to six employees and assisted branch manager with bank operations and strategies.
- Conducted pre-audit of business files to ensure bank and branch stayed in compliance.
0-5 years of experience
Responsible for new business development and cross-selling of all bank products including cash management tools, wealth management, merchant services, commercial lines of credit, commercial and residential mortgages, insurance
- Developed and implemented an aggressive external calling program targeting potential relationships for commercial loans, deposit accounts, and additional bank products; tracking and reporting weekly sales efforts and production results
- Monitored, managed and maintained a commercial client portfolio in excess of $35 million
- Responsible for maintaining credit quality by contacting past due accounts and managing an acceptable level of delinquency percentages; Responsible for preparing and presenting weekly delinquency reports and monthly / quarterly credit Watch reports
- Responsible for all phases of underwriting loans including real estate analysis, cash flow models and credit underwriting
- Presented commercial credit requests (new and renewals) to local, regional, and executive loan committees when loan amount or total loan relationship policies dictated
- Reviewed and managed residential and commercial construction projects including site inspections, approving draw requests, covenant compliance and quarterly updates
0-5 years of experience
Exercised considerable, independent judgment while performing daily office responsibilities alongside other staff members to maintain the efficient operation of the financial center
- Consistently met and exceeded sales referral goals as set by management, promoted good customer relations with a friendly demeanor and willingness to help at all times, and honored customer confidentiality
- Performed financial center opening and closing duties, provided cash withdrawal, check signing, transaction approvals and managed night deposits.
- Managed the teller line, balanced ATMs and vaults and processed credit card applications
- Referred customers to the appropriate business partners for product and service needs uncovered during business transactions and conversations
- Provided excellent customer service in daily transactions, customer inquiries and problem resolution in accordance with [company name] policies
- Created a customer friendly environment for all customers
- Created ways to make financial services more convenient for customers, i.e., helping customers sign up for online banking services
0-5 years of experience
also responsible for development of the Branch Manager. Underwrote and managed loan relationships for large real estate and development and commercial and industrial transactions. Recruited and hired branch employees.
- Brought in new loan and deposit relationships to the new bank location by creating cash management and loan packages that were mutually beneficial to the client and bank
- Provided financial analysis for loan review and on-going customer analysis for management of relationships to include collections and budgets
- Supervised and coached the Branch Manager in business, lending and management duties
- Involved in numerous community sponsorships to expand awareness of [company name] to the Triangle
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Commercial Banker
Last edited by: Gabriela Barcenas, CONTENT STRATEGIST -
Gabriela Barcenas
CONTENT STRATEGISTGabriela is a Certified Professional Resume Writer (CPRW) and career adviser. With 10 years of digital media experience and five years of resume writing expertise, her publication history includes fashion, education, travel, social justice, equitable design and career advice.
