A Lending Officer is hired to review, authorize and recommend personal and commercial loans for approval. Typical work activities are listed on the Lending Officer Resume as – meeting applicants to determine their creditworthiness; evaluating creditworthiness by processing loan applications and documentation, interviewing applicants to determine financial eligibility and feasibility of granting loans, communicating with clients either to request or to provide information; justifying decisions and reporting on them, completing loan contracts and counseling clients on policies and restrictions, maintaining and updating account records, and assessing customer needs, and developing referral networks.
To succeed in this position, the following skills are needed – proven work experience; familiarity with computers and banking applications; solid understanding of direct and indirect lending products and practices; and sales competencies. A degree in finance or economics or a related field is commonplace among job applicants.
Summary : To establish a long-term career in a company where I may utilize my Lending Officer professional skills and knowledge to be an effective Associate Program Manager and inspiration to those around me.
Skills : Microsoft Office, Typing.
Description :
Gathered and verified background information on loan applicants which includes but not limited to interviewing loan applicants and obtaining credit bureau reports.
Provided applicants appropriate disclosures.
Calculated debt-to-income ratios on loan applicants.
Assisted members with the loan application process to ensure completeness of information.
Put all loan information in computer system.
Obtained credit reports for all accounts, verify debts, estimate monthly payments for any outstanding debts not listed and add them to debts on applications.
Determined amount applicant is eligible to borrow.
Experience
10+ Years
Level
Senior
Education
B.S In Finance
Lending Officer Resume
Headline : To obtain a part-time Lending Officer position with an emphasis on Sales Support/Office Management utilizing extensive experience and skills. Productive in contributing effectively towards the objectives of a team, and is able to share knowledge, ideas, and information.
Skills : MS office, Supply Inventory.
Description :
Responsible for analyzing credit in accordance with established credit union government regulations, policy and procedures.
Had approval authority on 2nd mortgages all with A paper (640 tri merge or better) I first reviewed 1003 to be sure loan application was moving within the right channels; should it be restructured from an in house 1st to be serviced/sold or should it be restructured with a new 1003 as a FNMA/FHMLC/VA/FHA loan to be ran thru a broker.
Managed a high volume (30-40 monthly) base of loans from conventional 1st's, HLOC's, second home equity loans, autos and unsecured while always successfully staying within required time frames and established employer goals.
Responsible for emphasizing manual underwriting while also utilizing different automated underwriting software's depending on the loan product.
Learned to always be aware of the most conservative income approach be it based on pay stubs/YTD or W2s.
Established and conditioned closing stipulations that need processed in order to decrease risk to the credit union.
Reviewed/printed all closing docs from HUD settlement to state and federal regulated disclosures while identifying alternative and/or restructuring solutions.
Experience
5-7 Years
Level
Executive
Education
B.S. In Communications
Lending Officer Resume
Summary : To obtain an entry-level to management level position with advancement opportunities with responsibilities including problem-solving, servicing, planning, and organizing. Seeking a challenging position that would allow me to use my own expertise while acquiring new skills to expand my career potential.
Skills : It Project Management, Network Administration.
Description :
Interviewed loan applicants, process, underwrite, analyze and evaluate and close and fund loan applications within my delegated authority.
Calculated debt-to-income ratios determining how much is secured and unsecured.
Pulled and assessed credit reports to ascertain credit worthiness of applicants and credit rating.
Serviced and maintained loans.
Responsible for opening new accounts such as; savings, checking, IRA, CD's, money market, club accounts and liquid asset.
Responsible for daily general ledger reconciliation and weekly, monthly and quarterly auditing and branch reports.
Responsible for the supervision of branch staff including.
Experience
7-10 Years
Level
Management
Education
GED
Lending Officer Resume
Summary : Highly enthusiLending Officercustomer service representative with 30+ years, customer service experience. Results driven customer service representative with proven ability to establish rapport with clients. Accustomed to working in fast paced environments with the ability to think quickly and successfully handle difficult clients.
Skills : Customer Service, MS Office.
Description :
Provided customer service for customers, answering customer inquiries, and providing new product information and canceling accounts, or obtain details of inquiries to determine possible causes and solutions.
Responsible for performing a variety of duties to meet the needs of the services of customers; achieving customer service goals as established in the annual review.
Complied with operating policies and procedures established for the lending services function.
Communicated with appropriate personnel with respect to all aspects of loan origination and ongoing servicing.
Responded to inquiries or requests for information; maintaining appropriate records and providing assigned reports.
Informed customers of payment options.
Answered telephone calls in a professional and courteous manner.
Scheduled appointments for patients in accordant with established procedures.
Organized overflowing paper documents and distribute required information.
Scheduled and prepared daily deposit summaries.
Experience
7-10 Years
Level
Management
Education
MS
Lending Officer Resume
Headline : Lending Officer Professional with demonstrated experience in managing design and deployment of hardware and software solutions. Proven history of successful infrastructure design and implementation. Demonstrated leadership ability in coaching and developing in a team environment. Consistently met sales quotas by increasing quarterly Net machines under management.
Skills : Microsoft Office Suite, Internet Research, Various Banking Applications and Basis Financial Analysis Customer Service, Cash Handling, Analytical Skills, Excellent People and Soft Communication.
Description :
Responsible for loan origination/closing, business and personal, teller functions, FA referrals, IRA/Money Market sales/upsells and all that pertains to the financial service industry, except for personal sales of variable annuities, and unsecured investments.
Responsible for soliciting and cultivating new and existing business to service loans and or lines of credit for investment and/or commercial properties.
Inspected properties and evaluate borrower's renovation progress.
Prepared closing documents and underwrite loans.
Pulled and maintained medical charts for providers.
Scheduled, reviewed and evaluations, training and coaching and providing leadership not only to my branch but to others within the credit union.
Served as the branch operations and compliance manager and I plan and implement all process improvements to ensure my branch maintains high efficiency and productivity.
Experience
5-7 Years
Level
Executive
Education
BS In Education
Lending Officer Resume
Objective : Responsible for Working to obtain necessary licensing we provide paid training and cover all fees, and also Providing every client exceptional customer service.
Skills : Work Papers Plus, ATX, QuickBooks, Microsoft Word, Excel, PowerPoint, Outlook, Quicken, Internet.
Description :
Consulted and worked with various financial institutions to include but not limited to Wells Fargo, Regions, Chase, Wachovia, Countrywide, WAMU, SunTrust, etc.
Maintained thorough understanding and knowledge of the mortgage arena that spans retail origination, processing, underwriting and credit policy sides to the servicing sides.
Performed advisory services related to underwriting, compliance and data capture for regulatory reporting.
Built relationships with agents in office to obtain new home loans.
Created presentations and customized marketing/sales material to help agents improve their sales.
Met with prospective buyers to sell, pre-qualify and assist with choosing the best loan program.
Provided member service by processing debit card applications, cross-selling credit union products and services, answering questions, preparing wire transfers, providing notary services all while maintaining positive member relations.
Experience
2-5 Years
Level
Junior
Education
Bachelor Of Science
Lending Officer Resume
Summary : Lending Officer Professional looking for a job in finance/banking industry MBA graduate with 6 years experience in corporate financial lending and customer service. Areas of expertise include communication, reports, and analysis of financial data. Strong communication and problem-solving skills with an outgoing and pleasant personality.
Originated, structured and marketed traditional credit facilities to the broker/dealer industry.
Negotiated and closed transactions generating income of $400K per annum.
Managed a $1.5 billion portfolio of investment banking and broker/dealer clients.
Marketed non-credit services to existing and potential customers in investment banking/brokerage industry.
Products included cash management, clearance and custody services.
Evaluated loan applications by underwriting based on credit worthiness, past and present performance inside and outside of credit union, and capacity to maintain a performing loan.
Actively educated members on how to improve their current and future financial situations.
Experience
10+ Years
Level
Senior
Education
Business Administration
Lending Officer Resume
Summary : To accept a challenging and rewarding Lending Officer position enabling me to utilize my 16 + years of experience and knowledge obtained in community banking/finance.
Skills : Microsoft Office, Communication, Strategic Planning, Information Security.
Description :
Identified additional products and services that will benefit the member.
Asked to help train new Loan Officers as they taught and offered new software's.
Determined sufficiency of collateral and if applicable, offer alternatives to perspective debtors and counseling to those in financial difficulty.
Scheduled appraisal and/or title work services when necessary.
Developed and oversaw strategic implementation of lending programs and new product development.
Drived value driven loan production while optimizing member outcomes.
Experienced reaching or exceeding sales goals and objectives.
Experience
10+ Years
Level
Senior
Education
B.A. In Corporate Communications
Lending Officer Resume
Summary : To obtain a Lending Officer position that allows me to utilizes my 20 years of experience knowledge in sales, sales management, customer service and 6 years massage therapy while contributing my positive personality qualities.
Skills : Finance, Customer Service, Management.
Description :
Worked to obtain necessary licensing we provide paid training and cover all fees.
Provided every client exceptional customer service.
Achieved or exceeded sales goals and objectives.
Advised clients on the home buying or refinance process.
Educated clients on how to better manage their mortgages.
Assisted clients through the loan process from application to closing.
Processed completed mortgage application for qualified clients.
Experience
10+ Years
Level
Senior
Education
MBA In Finance
Lending Officer Resume
Objective : Demonstrable communication and leadership skills within large and small groups Acquired and maintained leadership positions in a variety of tasks and positions. Credit and risk analysis Business and Portfolio Analysis Credit and Risk Analysis Underwriting Collections and Repossessions Experience Individual Retirement Accounts Consumer and Commercial Lending Proficient in Microsoft Office Products.
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