Successful loan processing professional well-versed in the market, fee structures and application review procedures. Analytical and detail-oriented multitasker with an organized approach and good problem-solving abilities.
Overview
45
45
years of professional experience
Work History
Agricultural and Commercial Loan Officer
Farmers Bank
04.2013 - Current
Conducted interviews and reviewed financial history, credit and property evaluations of each customer.
Executed 10 cold calls each week to develop new loan prospects.
Obtained and reviewed corporate financial statements.
Managed up to 30 client loans at any given time.
Maintained compliance with laws and regulations governing commercial loans.
Built trust and promoted customer loyalty throughout underwriting process.
Evaluated loan requests and documents to verify accuracy and completeness.
Assisted customers with completing loan applications and other paperwork.
Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
Analyzed potential risks and evaluated loan products to identify suitable options for customers.
Approved loan applications based on customer creditworthiness and provided detailed financial advice.
Relationship Manager
Intermountain Community Bank
02.2003 - 03.2013
Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products.
Built and maintained relationships with new and existing clients while providing high level of expertise.
Responded to customer inquiries and resolved complaints to establish trust and increase satisfaction.
Maintained knowledge on banking products and distribution to provide optimal service support.
Analyzed customer data to identify areas of improvement and maximize customer satisfaction.
Relationship Manager
First Security Bank Of Idaho
11.1989 - 02.2003
Property Manager
Twin Falls Bank & Trust Trust Department
10.1986 - 11.1989
Farmer
Self Employed
03.1979 - 10.1986
Maintained and repaired various farming equipment.
Selected and purchased supplies and equipment such as seed, farm machinery, and livestock.
Utilized chemical and non-chemical methods to protect crops from weeds and pests.
Education
Bachelor of Science - Agricultural Economics
University Of Idaho
Moscow, ID
Master of Science - Agricultural Economics - Resource Management
University Of Idaho
Moscow, ID
05.1979
Skills
Pulling Credit Reports
Completing Applications
Market Understanding
Credit Assessment
Cash Flow Analysis
Collateral Valuation
Financial Analysis
Industry Knowledge
Crop and Livestock Quality Assessment
Agricultural Equipment Operation
Timeline
Agricultural and Commercial Loan Officer
Farmers Bank
04.2013 - Current
Relationship Manager
Intermountain Community Bank
02.2003 - 03.2013
Relationship Manager
First Security Bank Of Idaho
11.1989 - 02.2003
Property Manager
Twin Falls Bank & Trust Trust Department
10.1986 - 11.1989
Farmer
Self Employed
03.1979 - 10.1986
Bachelor of Science - Agricultural Economics
University Of Idaho
Master of Science - Agricultural Economics - Resource Management
University Of Idaho
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