AMY SMITH
123 Main Street • Atlanta, Georgia • 30339
Home: (555) 555-1234, Cell: (555) 555-1235
asmith@sample~resume.com
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Objective: Seek the Position of Loan Officer
SUMMARY: Profoundly creative, resourceful and self motivated Loan Officer with great experience evaluating, authorizing, and recommending approval of commercial, real estate, and credit loans; advising borrowers on financial status and methods of payments.
Summary of Qualifications
More than six years experience.
Excellent sales and public relations skills.
Exceptional interviewing, written and oral communication and research skills.
Sound ability to establish and maintain interpersonal relationships.
Uncommon ability to work independently and manage one's time.
Strong problem-solving, negotiation, persuasion and follow-up skills.
Exceptional analytical skills with great ability to understand financial statements, tax returns and cash flow analysis
Profound familiarity with structuring credit packages to meet the needs of bank customers.
Remarkable working knowledge of lending products and underwriting practices.
Proven ability to meet established goals through effective time management that allows handling of multiple transactions throughout the workday.
Solid proficiency with PC applications including MS Office Suite.
Professional Experience
Standard Bank Inc., Minneapolis 2002 - Present
Loan Officer
Approve loans within specified limits, and refer loan applications outside those limits to management for approval.
Meet with applicants to obtain information for loan applications and to answer questions about the process.
Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.
Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.
Review and update credit and loan files.
Review loan agreements to ensure that they are complete and accurate according to policy.
Compute payment schedules.
Stay abreast of new types of loans and other financial services and products to better meet customers' needs.
Submit applications to credit analysts for verification and recommendation.
Standard Mortgage Bank Inc., Minneapolis 2000 - 2002
Loan Officer Intern
Found potential clients, individuals and businesses, in need of loans.
Acted as salesperson, persuading clients to obtain loans from the bank.
Helped clients apply for loans.
Analyzed and verified loan application to determine clients' creditworthiness.
Performed other duties as assigned.
Education
Bachelor's Degree in Finance University of Minneapolis (2000)
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