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Additional Finance Resume Samples
Lending Manager Resume Samples
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0-5 years of experience
Managed all aspects of lending department, including sales, underwriting, and real estate.
- Recognized as the Illinois Credit Union Lending Professional of the Year 2003.
- Increased sales penetration up 125% for loan add-on products by conducting individual sales coaching sessions and participating in sales opportunities.
- Led department to achieve the top three largest loan months in credit union’s history.
- Successfully managed two lending origination software conversions.
- Implemented custom automated decisioning tool that returns loan decisions to members from all application channels within five seconds and decreased delinquency by 24 basis points.
- Created queries to record and track sales totals using SQL for the entire organization.
0-5 years of experience
Managed a group of 10 loan officers, processors, and audit control associates that provided services (ex. processing, underwriting, and closing) to over 60 retail branches with annual loan volume in excess of $200MM.
- Introduced a new post-closing audit process that was instrumental in continually
- Successfully managed the transition and integration of consumer lending products with the sales force brought into the system through at least 4 acquisition/mergers
- Standardized workflow processes that eliminated operational problems and reduced exceptions 15% by improving customer service to the internal bank retail associates thus ensuring quality customer service was provided to external customers
- Underwrote, approved, and packaged requests for loan committee, reconfigured and approved requests exceeding consumer underwriter’s lending limits
- Consistently among the top 5 in loan production
0-5 years of experience
Prepared and managed the annual budget for commercial lending, consisting of $524MM in loan balances, revenues of $34MM, net income of $18MM, and 22 employees
- Managed the overall quality of the bank’s $524MM loan portfolio, and achieved targeted profit results for the commercial real estate and commercial banking business lines
- Participated as voting member of the bank’s credit committees, which analyzed loan approvals for amounts as high as $21MM
- Increased business line profitability by an average 18 percent, approximately $2.79MM, for fiscal years 2011 through 2013, and reduced over $240,000 in expenses
- Introduced a prospect cold-call system that increased initial call success by 72 percent
- Created and implemented a customer prospect profile tool and sales process tracking report
- Developed and wrote a global process, procedures, and mission focused manual, “Standards of Performance”, to implement internal customer service levels agreed to with other credit, loan and retail banking groups
- Earned two promotions in five years, the last as a member of the Senior Executive Team and Planning Committee, and as such participated in preparing the bank’s long term strategic plan
0-5 years of experience
Responsible for managing and training over 100 employees at 15 branches within the San Diego area. Coached employees on providing optimal financial advice to clients on all lending products within bank and secondary market.
- Focused on loan production and deposit growth for businesses with annual sales of $30 million or less, and increased revenue by 16%.
- Advised and educated clients on a variety of financial options including, equipment finance, practice finance, Small Business Association products, franchise financing, treasury services, and commercial purchase and refinance options which led to development of long term business relationships.
- Developed successful marketing and advertising strategies that led to new referral sources.
- Due to strong partnership with alternative lending sources, clients were offered lending options.
0-5 years of experience
Managed a $15 million lending portfolio, originating over $3 million in business through internal and external channels, exceeded sales goals by 150%.
- Analyzed applicants’ financial status, credit, and property evaluation to determine feasibility of granting a loan.
- Ensured loan agreements complete and accurate complying with strict underwriting guidelines, approving and denying, closing and servicing loans.
- Generated daily, weekly, and monthly reports of solicitation, applications, and volume of loans to upper management.
- Developed call-tracking model to aid in streamlining solicitations for increased productivity.
- Ranked in top 10% in sales growth in company.
- Recognized as Lender of the Month July ’04, Aug ’04, Sept ’04, Nov ’04, and March ’05
0-5 years of experience
Led establishment of a new 80 cross functional team member Private Mortgage Banking center.
- Mentored and trained a diverse team of 25 retail underwriters to ensure handling of high profile
- Served as primary point of escalation for team member questions related to investor guidelines and product specifications for Private Mortgage Banking.
- Chosen to train on High Performance Lending Philosophy.
- Implemented quality control measures to ensure file quality exceeds company standards.
- Successfully developed team to exceed company’s customer satisfaction rating goals.
0-5 years of experience
Responsible for overseeing 110 retail mortgage Loan Officers with $1.4 billion in funded loan volume
- Integrated Loan Officer sales force into a retail bank centric model
- Increased monthly funded loan volume by greater than 50% to >100 million dollars
- Reduced occupancy expense by re-locating Loan Officers into bank branches, improving profitability
- Minimized extension cost and managed early funding credit to maximize impact on P&L
- Oversaw the recruiting and training of 60 loan officers to expand sales force
0-5 years of experience
Managed team of underwriters with a team daily pipeline of 100 files supporting the WFHM FHA portfolio
- Managed teams workflow/pipeline including running pipeline reports, assigning work, performing status checks and reassigning work in order to ensure customer service and unit procedures/metrics were met
- Planned, organized and conducted department training in order to increase department metric performance as well as to assist with on boarding training of new hires
- Conducted monthly performance reviews and implemented action plans in order to improve performance of underperforming team members
- Partnered with management team members across the different mortgage sites to develop updated processes and ensure consistency across the portfolio
- Participated in weekly management calls to discuss difficult loan situations and complicated files
- Provided direction to processing team members and managers in order to improve the quality of files submitted to underwriting
0-5 years of experience
Responsible for Managing the indirect lending department and underwriting Direct and Indirect Loans.
- Implemented, managed, and monitored a central approval process that involved training six Personal Bankers on how to interview all consumer loan applicants and further submitting these loan requests for approval.
- Increased monthly direct loan volume from $500 thousand to $1 million, and indirect volume from $400 thousand to $1.5 million.
- Directly supervised eight people.
- Oversaw Collection Department and reduced past-dues from 9% to 2.3%.
- Maintained the relationship of eight indirect auto dealers.
- Serviced automobile floorplan dealers.
- Participated in the Loan Officers Committee, which reviewed commercial and problem loans.
0-5 years of experience
Increased production by 20% and successfully reduced closing turn times by implementing process improvements and modifications to existing systems. Responsible for the development of 25 loan processors.
- Implemented corporate policies and procedures, ensured compliance, and implemented corrective actions when need.
- Responsible for recruiting, hiring, coaching and development of all processing personnel.
- Responsible for the credit quality of consumer loans and ensured that credit policies were followed.
- Tracked and reported credit deficiencies and provided action plans to improve quality loan applications.
- Effectively communicated loan programs, pricing, underwriting guidelines and compliance policies to consumer loan
- Established and approved performance goals and conducted performance reviews.
0-5 years of experience
Actively analyze and manage workflow procedures in order to reduce aged loans within the pipeline carrying over only 30% of the pipeline monthly year to date.
- Training, developing and coaching team members so they are collaborative, cooperative and competitive.
- Create and develop programs within my team, which are now utilized site wide, to reduce inefficiencies for underwriter turn times increasing closing per head from 1.63 % to 6% and reduced cost per loan from $8,000 to $1,300.
- Designed and implemented production tracking MS Excel workbook to assist management and team members with reporting that aids in meeting production goals.
- Assist in hiring, coaching, resolving conflicts and setting performance standards for team members; as well as lending best practices.
- Maintain records and documentation in accordance with company policy; as well as develop strategies and a tracking tool to reduce site exposure to Regulation B penalties.
- Execute projects with multiple priorities as project or program manager in the most efficient manner.
0-5 years of experience
Developed, supported, and managed residential lending strategies for bank branches.
- Successfully increased residential mortgage revenue by over 110% year over year.
- Prepared credit analysis write-up and presentation to credit committee for portfolio loan approval.
- Supported regulatory audits for HDMA, RESPA, the S.A.F.E act, Regulation Z and internal audits.
- Sales, underwriting, and processing vendor management (PHH private label vendor).
- Developed credit policy and product parameter for portfolio loans and new products development.
- Conducted and completed certifications of Fannie Mae, Freddie Mac and FHA approved lender status.