Mark K. Smith
1234 Deer Ridge Drive
Montgomery, Alabama 36000
Home: 334-555-5555
Cell: 334-555-5556
Email: mksmith@yahoo.com

Objective:

Commercial Loan Officer with the ability to analyze financial statements, financial ratios, tax returns and other documents to evaluate repayment sources and prepare loan recommendations

Qualification Summary:

Excellent ability to use creativity, knowledge and experience to structure loans in a manner that is mutually beneficial to the customer and organization

# Strong written and verbal communication skills and attention to detail and accuracy
# Outstanding organizational skills with the ability to set priorities and meet deadlines

Education:
Bachelor of Science degree in Business Administration
Auburn University, Auburn, Alabama
May 1996

Work Experience:

Commercial Loan Officer, Ensure Loans
Montgomery, AL 36000
August 2004 - present

# Solicit, underwrite, coordinate and manage the Commercial Real Estate and Small Business Administration loan portfolio.
# Supervise the review of executed loan documentation to ensure compliance with all state and regulatory requirements.
# Obtain pertinent information relating to the proposed transaction and property.
# Call on mortgage loan brokers, commercial real estate agents, banks, to solicit and develop real estate loan business.
# Ensure the safekeeping of all legal documentation file including document imaging and creation and maintenance of collateral and legal documentation files.

Commercial Loan Officer, Loan Land
Montgomery, AL 36000
September 1999 - August 2004

# Managed business development and acted as the Credit Union’s liaison with members, brokers, contractors and vendors.
# Reviewed loan packages for completeness of documents and compliance with Credit Union policy, NCUA regulatory requirements, and secondary market lending parameters.
# Supervised production of loan documents to ensure their compliance with documentation requirements by loan type, state of origination, and regulatory guidelines.
# Coordinated with internal departments to see loans through to funding.

Residential Loan Officer, Loan Land
Auburn, AL 36000
June 1996 - September 1999

# Reviewed financial data, appraisal reports, credit reports, verifications and documents as required.
# Determined member qualifications and recommends loan terms to management.
# Interfaced with Credit Union lending personnel.
# Ordered credit reports, appraisal reports, and environmental reports.
# Reviewed all credit, loan and collateralized files to ensure that information was current and reported any concerns to the department manager.
# Analyzed information provided by clients to assist with finding appropriate loan programs.

References:

Furnished upon request