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yyyyyy x. yyyyyy                                           0000 xxxxxx xxxx , xxxx , xxxxx 00000




solutions-focused lending professional eager to contribute dynamic financial, relationship-building and portfolio management skills in a challenging assignment.

career profile

ø  over 18 years of total career experience, with latest 14 in business banking, commercial lending, portfolio management, reporting, documentation and relationship building.

ø  extensive education and professional training, including double ba degree in political science and international studies.

ø  effectively define, develop and execute operations to maximize productivity and efficiency.

ø  strong record of advancement to assignments of increasing authority and responsibility.

ø  highly skilled and adaptable to any situation or contingency.

ø  award-winner for outstanding performance.


technology skills

microsoft office suite, laser pro, baker hill, bisys, experian intelliscore


professional experience

columbia bank, fair lawn, nj                                                                                          1998 - present

small business loan officer & acting manager (1999-present)

       promoted to oversee sba 7a and 504 government-guaranteed loans, sbe small-business loans under $100mm, and prime line <$100mm professional loans.

       manage sba portfolio by answering customer inquires, performing application interviews, preparing offering proposals, determining sba eligibility and structuring credits.

       review financial statements, tax returns, credit reports and business plans in order to analyze credit.

       authorized to lend credit in amounts up to $500mm in single authority and $1.5mm in dual authority.

       deliver credit presentations and recommendations to senior-level lending committees and coordinate with closing and legal departments to draft documentation.

       close all sba transactions, process all deferment, renewal and modification requests and supervise distributions on multiple-draw term loans.

       responsible for workouts and liquidation of non-performing sba 7a loans, maintenance of internal controls, preparation of purchase contracts, sba 1502 reporting and g/l reconciliation.

       participate in trade shows, seminars and panels to market and promote bank products.

       top 20 sba 7a lender in new jersey multiple times during tenure in this position and winner of sba bronze award.


investor accountant & commercial loan specialist (1998-1999)

       recruited to ensure accurate and punctual accounting and transmission of funding and investor reporting.

       reconciled complex ledgers and drafted reports for distribution to investors and bank management.

       maintained departmental currency regarding regulations and reporting requirements.

       supervised billing, payment processing, advances and payoffs for conventional c&i, commercial real estate, sba and residential loans.


yyyyyy x. yyyyyy, page two


prior experience

prior to 1998, was employed by: bank of new york as a financial service associate developing new business at branch office, assisting branch management with operations and personnel, promoting banking products and services, facilitating improvement initiatives, assessing personal financial portfolios, recommending courses of action and implementing kid s club program for multiple branch locations; das marketing concepts as director of operations directing new customer service programs, managing nine projects in new york, new jersey and ontario, canada, tracking customer shopping patterns, preparing statistical analyses for over 700 retail stores, recruiting 12 managers, performing accounting, payroll and companywide communications and drafting policies, procedures and training materials.



ramapo college of new jersey

bachelor of arts, dual major: political science and international studies, 1993

candidate, master of business administration in finance, 1998-2000


american institute of banking

analyzing financial statements and commercial lending course

winner of top student award


institute of financial education residential lending course

commercial lending - credit training for lenders


columbia bank, manager & core curriculum training certificate program


bank of new york retail & sales training certificate program



commendations / awards

walter d. head foundation community service award, 2005

customer service awareness award, 2000 - 2001

national kidney foundation volunteer award recipient, 1999

who s who among american colleges and universities inductee, 1993


affiliations / community involvement

mentor & advisor, mobc mentoring program, 2010 - present

finance chairperson, williams friends and family network, 2009 - present

student advisor, rotaract club, 2002 - 2007

member & committee co-chair, paterson community outreach committee, 2003 - 2006

emergency room volunteer, hackensack university hospital, 2002 - 2003

urban outreach volunteer, boy scouts of america, 1990 - 2001

team leader, teaneck cultural arts coalition, 1999 - 2000

volunteer, national kidney foundation of new york & new jersey, 1993 - 2002

member, ramapo college of new jersey alumni association (people of color exchange)


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