Sample resume for a loan origination specialist.

Miscellaneous Lending is one of the most popular services provided by banks. Financial institutions offer similar services to the public to meet various needs: from household appliances

to the living space. Today it is impossible to imagine our life without the possibility of lending. After all, it is precisely this that allows you to carry out your plans even in the absence of money, be it opening your own business or buying a car.

What is lending With the help of loans it has become much easier to organize and distribute cash . They are engaged in lending commercial banks and financial institutions. For every type debt obligation there are certain conditions that include the amount of the minimum down payment

, loan repayment interest, as well as the individual characteristics that the borrower must have. For each amount of money issued, the bank sets certain requirements for the client that he must meet.

The loan is issued not only to legal entities and individuals; the borrower can also be another commercial bank.

Requirements for the qualities of a loan specialist

The success and productivity of a bank directly depend on the qualifications of its employees. Since the main income of the bank is considered to be the expansion of resources, staff need to make every effort to ensure that the operation is profitable. One of the most important officials of a bank is a specialist in the credit department. Its responsibilities are to provide complete information

to the client about the loan. He also prepares and submits to the bank commission all the documents necessary for registration.

A credit specialist, whose responsibilities include directly advising the client and concluding an agreement with him, must have not only a number of professional skills, but also many human qualities, such as:
Honesty.
A desire to work.
Ability to think logically.
Ability to intuitively identify potential clients.
Responsibility.
Stress resistance.
Ability to find a common language with each client.
Communication skills.

Competence.

A credit specialist, whose responsibilities are radically different from the functions of managers and inspectors, does not search for clients, but enters into an agreement and maintains a loan until its closure with existing clients. For greater bank profitability, searching for potential clients among legal and individuals carried out by a special department.

The responsibilities of a loan officer at a bank include:

Informing potential clients about tariffs.
Providing complete information about the conditions for obtaining a loan.
Assistance in choosing a loan.
Calculation of basic loan indicators, such as terms, interest, minimum payment and payment schedule.
Acceptance of applications for extradition.
Checking the package of documents provided by the borrower.
Carrying out credit risk assessment.
Preparation of necessary papers and documents.
Control of the process of issuing funds.
Transaction support until full repayment loan.

A credit officer, whose responsibilities include all of the above points, must also have a sufficient level of self-control, which may be needed in unforeseen situations.

Training of specialists

People who have graduated from the Faculty of Finance or Economics have the opportunity to work in this banking industry. Many banking institutions only hire employees with a higher education diploma for this position.

The job responsibilities of a loan officer involve constant communication between the bank employee and the borrower.

Training and retraining of professionals in this field is carried out directly by the financial institution itself. For better quality work, many banks divide loan specialists into subgroups. That is, each employee is assigned separate category products in which he specializes. Some work exclusively with consumer loans for goods and services, others are engaged only in car loans. Specialists in issuing and supporting mortgages should also be highlighted separately.

The division of specialists by type of lending is carried out in order to improve the quality of their work. After all, each of them must have not only general concepts relevant to this area, but also have a thorough knowledge of the regulatory aspects.

Work specifics

The credit specialist, whose responsibilities also include conducting the transaction, must, if necessary, collect and prepare all the necessary documents for issuing any type of loan. The main document is the loan agreement, which is filled out by the borrower and the banking institution.

The document stipulates such points as:

Borrower's agreement to repay funds.
The amount made available.
Penalties provided for violation of the rules of the contract.

The decision to issue a loan is made directly by the bank commission; the specialist only submits all the necessary documents. After approval, the expert will support the transaction until the loan is fully repaid.

Resume for applying for a job

The work of a specialist in this industry is worthy of respect. After all, constant contact with people and communication with them require not only professional skills from an expert. This profession is considered very prestigious. It provides an opportunity for personal and career growth. Let's list the main skills and responsibilities of a loan officer for a resume.

In order to obtain a position as a credit specialist, your resume should include the following information:

Personal Information.
Previous employment.
The level of education.
Types of lending that the specialist is familiar with.
Work experience.
Benefits of the job.
Level of knowledge of foreign languages.
Professional skills.
Personal qualities that can improve the work process.

The bank's performance directly depends on the professional qualities and skills of its staff. Credit specialists occupy not the last place in this chain and are able to influence the success of the bank as a whole.

I consider myself a promising specialist with good creative potential and a tendency towards constant professional development. I have all the necessary skills to achieve my goals. I chose the field of activity purposefully, since I have always been interested in mathematics and had an analytical mind. I love my profession and plan to achieve great success in it. My professional curiosity pushes me to constant self-education and self-improvement. In 5 and 10 years, I see myself as a high-level specialist, which will be confirmed by my high professional qualities and authority, which I will certainly achieve through hard, conscientious work. Computer skills: PC - advanced user: Open Office, Excel. Browsers: Mozilla Firefox, Opera, Internet Explorer.

Additional information:

The banking system in our country is rapidly growing and gaining momentum, so any specialties related to working in a financial institution are considered prestigious and in demand. After all, its profit and the level of customer confidence depend on the coordinated work of all bank employees. One of the important employees is credit specialists or experts who are responsible for the main task banking organization- issuing loans. However, let’s take a closer look at what a lending specialist should know, what qualities he should have, his job responsibilities and much more.

Job responsibilities of a credit department employee

The main responsibilities of a credit specialist are advising clients and selecting optimal options lending for the borrower. That is, in fact, he performs several functions at once: he must attract the client, advise him on the lending services available to the bank, and select the most suitable option that will best satisfy the client’s needs.

If the client is interested in the services of the bank, then the employee of the lending department must calculate for him maximum amount loan depending on its financial opportunities, calculate the loan term, monthly payment amount and annual interest rate.

Next, the loan specialist’s task is to fill out an application form and analyze the data, assess the borrower’s creditworthiness and the bank’s risks when cooperating with him. Yes, indeed, today the task of assessing solvency is performed by scoring system, but a lot also depends on the loan specialist. After all, among other things, he must collect the borrower’s documents, visually assess their authenticity, then transfer them to the bank’s security service, credit committee and other departments of the financial institution that are responsible for issuing borrowed money, while he must be attentive to the personality of each client.

Working as a credit specialist requires the employee to have certain knowledge in order to perform the following functions:

know the bank’s policies and principles for providing cash loans to private and corporate clients;
have a good knowledge of the bank’s lending conditions in order to provide potential clients with the maximum amount of information and select the optimal terms of cooperation for each of them;
be able to visually assess the authenticity of documents and the reliability of the interlocutor, in particular, his financial situation;
how to make decisions correctly and bear financial responsibility for it.

Please note that one of the key tasks of a lending department employee is the ability to assess the client’s solvency, that is, in simple words, he must have some knowledge in the field of psychology in order to identify the borrower’s intentions to repay the borrowed funds during the conversation.

Personal qualities of a bank employee

Despite the fact that the bank takes a responsible approach to lending and primarily evaluates the professional skills of its employees, the personal qualities of employees play a big role. For a credit specialist, the main and personal qualities are communication skills, resistance to stress, responsibility and the ability to perform professional duties in strict accordance with internal regulations jar.

To put it in simple words, then credit specialist must be, first of all, a reliable partner of a financial institution, and in any situation protect the interests of the bank. That is, he must not only bring a client and conclude a loan agreement with him, but at the same time do the same with reliable clients who will bring profit to the bank and repay the issued loan. By the way, it is worth saying that many banks pay their employees special courses According to psychology, this is primarily necessary in order to banking specialist could recognize at the stage of conversation with the client whether he would treat the circumstances responsibly or not.

Professional skills of a bank employee

You should not think that a loan officer should look for clients and bring them to the bank. No, this task is not his responsibility, but he must be able to properly advise the client and interest him in the bank’s services so that he draws up a loan agreement. Accordingly, the loan specialist must have a good knowledge of all the bank’s products and services; for this, of course, he must have at least a higher education.

Also, the loan specialist must be able to work with documentation, because he will be required to advise his clients on collecting the documents necessary for obtaining a loan. He must be able to visually assess their authenticity and in the future submit them for review to the bank's security service. By the way, the application for issuance credit funds is also filled out by a credit specialist, so he must know all the features of filling out these documents.

And finally, the final stage of the transaction is the signing of a loan agreement and the issuance of borrowed funds. Yes, by the way, the money is issued directly by the cashier, and this is not the responsibility of the loan specialist, but, nevertheless, he gives the loan agreement for signature and must, if necessary, answer all the borrower’s questions if they arise while reading the documents .

Important! All bank credit specialists undergo specialized training and education, because work in different financial institutions varies greatly, so management must provide its new employees with complete detailed and reliable information about working with bank documents.

How to get a job as a loan officer

In fact, finding a job as a loan officer is possible and it won’t be that difficult. After all, everything bank workers have excellent career prospects, which means the bank periodically recruits new employees for this position. The main requirement for an applicant is a resume; without it, it is almost impossible to get a job today. This means that the main task of job seekers is to correctly compose a resume for the employer.

What are the resume responsibilities of a loan officer for every potential applicant? First of all, the applicant must know the specifics of the job, know the job responsibilities, that is, all the functions that he will need to perform at the new place of work. It is imperative to write in your resume whether you have experience in this position or not. In any case, the applicant’s task is to prove to the employer that he is familiar with the specifics of the job and knows the job responsibilities and cope with them accordingly.

You will also need to provide some information about yourself in the form:

last name, first name, patronymic, date of birth, residential address;
education: name of higher educational institution, faculty, specialty;
work experience: here you must indicate previous places of work, length of work and reason for dismissal;
describe what professional skills you have, exactly those that will be useful to the employer as a credit specialist;
personal qualities of the applicant that will be useful directly for the position of a credit specialist.

Please note that a sample loan officer resume can be found and downloaded online. You can also see a sample of filling out the questionnaire, but it is worth considering that in this question you need to write only reliable information about yourself, because the bank takes a responsible approach to the selection of employees.

So, responsibilities credit consultant comes down to increasing the bank's profits and attracting as many potential credit clients. The profession is truly promising, because banking employees have excellent prospects for career growth and high level wages. And, by the way, credit specialists occupy not the last place in banking structure. Therefore, when choosing employees, great attention is paid to the professional and personal skills of the applicant.

Volume of positions of each banking institution constantly growing.

Not surprisingly, the increase in the number of lending programs entails the emergence of new areas of work in banking sector. These are brokers, managers, consultants.

But credit specialists are of particular value. It is the activities of employees in this area that largely determine the level of trust in the bank, improving the quality of lending services and reducing the percentage of overdue debt downward.

Relevance and prospects for the development of the position

Any bank is a financial and credit institution, and lending services are one of the most popular.

It makes it possible to purchase any material assets even if the required amount is not available. Of course, the population needs loans. For banks, in turn, the implementation of such a service provides an opportunity to increase capital, reduce the level of overdue debt and subsequent optimal activity in general.

Currently demand for loan officers quite high. Lending experts carry out their activities not only on the territory of the bank, but also at points of sale, mortgage centers. That is why the position is quite relevant. The banks themselves are interested in workers in this area. The further bright future of the banking institution largely depends on the level of professionalism and productivity of the loan specialist.

In the future, the career growth of a credit specialist who has started working outside the bank may begin with a transfer to the head office, in particular, to the lending department. Where the main tasks are to identify the solvency of candidates, work with documentation, accrual, write off interest from citizens’ accounts and other operations. With hard work, it is possible to be promoted to senior specialist of a department, deputy head of a department, then head of a department and director of a branch of a banking institution.

Personal requirements for the candidate

Basic requirements The following are considered personal qualities for the position of loan specialist:

Analytical mind;
honesty;
tact;
sociability, friendliness, openness in communicating with people;
responsibility;
perseverance;
resistance to stressful situations, equanimity;
speed in decision making;
desire to work and study.

The task credit expert is not only paperwork, but also the ability to find an individual approach to a citizen of any category. In addition, the responsibility for choosing a reliable client and completing the transaction also lies on the shoulders of the loan specialist. That is why, when choosing an employee for this position, attention is paid to Special attention his personal qualities.

In addition to specific human characteristics, it is necessary to have a set professional skills and specific knowledge. This includes the following requirements:

availability of a knowledge base regarding the promotion of bank services in the area of lending;
awareness of all available credit products;
the ability to competently and accurately assess the reliability and solvency of a candidate;
desire to promote the culture of a banking institution.

In other words, a loan specialist must be competent in all matters of lending.

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Job responsibilities

According to labor instructions most banks to the list job responsibilities Loan specialist includes the following functions:

familiarizing the candidate with the nuances of providing the service, a detailed description of various loan programs and choosing the most suitable one for the client;
calculating the amount of the loan provided and the amount of the monthly payment on it;
accepting applications from clients for a loan and their further analysis;
assessing the risk of non-payment of debt by the client with further assignment of an appropriate credit rating;
confirmation of authenticity and presence necessary documents with further transfer to the appropriate unit for security verification;
transfer of documents to the economic service;
sending an application to the credit commission;
preparation of the appropriate package of papers;
conclusion and signing of an agreement with the client;
accompaniment . In other words, control over timely payment of loan installments;
drawing up reports.

It should be noted that the loan officer does not directly search for a candidate. An employee carries out activities with an existing client.

Rights and responsibilities

Add to list rights provided to the loan officer include:

provision social guarantees provided by law;
familiarity with the decisions of the organization’s management regarding the activities of the credit specialist;
the possibility of demanding all possible assistance from management in fulfilling their immediate responsibilities;
informing the manager regarding projects about improving the methods of work performed by the employee;
the possibility of demanding improved working conditions;
improving professional skills and qualifications.

Responsibility, assigned to the loan specialist, includes the following points:

for failure to fulfill or improper performance of duties established by;
for causing material harm to the employer;
for violation ;
for offenses occurring during the employee’s working life.

What to note in a resume for an applicant for this position

Loan specialist position this moment very relevant and in demand in the labor market.

To receive an invitation, you must submit a preliminary application.

To interest an employer, you should indicate the following points:

Most often, when choosing future employees of the lending department, managers pay attention to the availability economic education, confidence when speaking, and also pleasant appearance. Priority, of course, goes to applicants with experience working with banking products, but energetic young people with no experience often also get the opportunity to try themselves in the field of loans. Especially considering the fact that the demand for lending specialists is quite high.

Features of the position in various fields

The specifics of the work of a loan specialist are such that workplace may not be in the banking institution’s office itself. This could be a car dealership, a shopping center, or a mortgage lending office.

In general, the peculiarities of individual lending areas lie only in knowledge of the product for which the client wishes to apply for a loan. For example, an employee in the auto lending department is involved in processing transactions regarding automotive products.

A loan specialist, whose workplace is located in communication stores or electronics sales centers, concludes a loan only for the specified product.

The same applies to specialists mortgage lending. Points of sale of bank products provide sales and consultation directly on the issuance of credit cards.

The job responsibilities are identical, the only difference is the product for which the loan is issued.

In any case, employees whose activities are related to processing loans are required to know everything existing programs lending and be able to competently sell related profitable offer, notify about promotions. In addition, you should navigate all the nuances and be able to find a professional answer to any question the client has.

The position of a credit specialist is quite relevant at the moment. Managers, realizing that employees in this area are practically the face of a banking institution, place quite serious demands on candidates. Not surprisingly, the productive work of credit specialists brings profit to the bank and only increases the confidence of citizens.

Sales rules banking services discussed in the following video training:

Most often, work experience is required. But if the applicant is well versed in the structure of the organization and knows how subordinate bodies differ from management bodies, then he has a chance to get a prestigious job even without experience. Before heading to the HR department, it is advisable to study a sample resume for a bank.

What is a good banker?

This is a person who expresses his thoughts concisely and clearly. This skill guarantees successful work with clients. This is the trait that needs to be shown first in the interview. Any sample resume for a bank employee fits on one page. This is no accident. Such a concise and clear presentation of yourself in your resume will only confirm your ability to express yourself concisely and clearly.

You should not talk about your achievements in another field. It is better to focus on the knowledge and experience acquired while working in financial institutions. Such data forms the basis of any sample resume for a bank.

Where to begin

First of all, the surname, first name, patronymic and contact information are indicated. Nowadays, in addition to the phone number and address, it is customary to leave the address Email. Any resume sample begins with these data. It is better to apply for a job at a bank already knowing what position you want to occupy. It is completely unacceptable to go and offer yourself for any open vacancy.

Another important point: Don’t speak vaguely, for example: “I would like to work with clients” or “I would like to work with money and not interfere with clients.” You need to clearly decide what position you want to occupy. This will once again indicate your understanding of the field of activity.

Education information

It is better to provide this information in full. Here you need to describe in which educational institution you received your education, in what year you received your diploma, be sure to indicate your profession and professional degree. You should not just mention any courses if there is no certificate of completion.

experience

This column needs to be given maximum attention. If you look at a sample resume for a bank, you will notice that it is in this paragraph that the information is presented in the most detailed way. If there is no work experience, and you have to immediately after university, then the ideal option would be to indicate the place of internship in your specialty. In this case, you should not hide your achievements. Typically, recommendations are provided in the form of a separate letter, but if the “Work Experience” column in your resume is almost empty, you can indicate here the contacts of those people who, if necessary, will describe you as an excellent employee.

It’s another matter if the job applicant’s work experience is quite rich. Here you just need to think about which skills and previous positions can be left in the shadows, and which ones to place special emphasis on. If a similar position is already on your track record, then it is worth drawing the attention of new employers to your successes and achievements in this particular place of work.

Personal qualities

There is no need to go into the lyrics here - it is very laconic and only to the point. Sociability, activity and so on. There is no need to describe life stories that confirm these qualities.

It happens that they are looking for a candidate with a personal car for a position. In this case, it will be necessary to confirm that the car really exists and that the license is also available.

Sample resume for a bank

Savchenko Olga Ivanovna

Address: Belgorod, st. S. Gritseva, house 33, apt. 131.

Tel: +79103568343

Goal: obtaining the position of chief specialist

Year of birth: 1983.

Education: 2000-2005 Belgorod Financial University. Specialty: “Finance and Credit”.

Experience:

2010 - present time of CB "Bank 15".

Position: financial expert.

Responsibilities: Analysis financial situation institutions during a change of ownership. Adjustment of the conclusion of the provided projects, namely their financial part. Control over all documentation that will be considered by financial authorities in the event of financial support from the state. Most of the projects were successful.

2006-2010 CB "Bank 12".

Position: senior economist.

Responsibilities: Work with legal entities. persons. Control loan agreements. Calculation financial flows. Control over clients' solvency.

Personal qualities: dedication, communication skills, perseverance, decency.

Additional information:

English is the official and business language.

PC is an experienced user.

Registration in Belgorod.

This is what a sample resume for a bank looks like.

How to get a job without work experience

The hardest thing is to find your first job. Although a sample resume for a bank without work experience is almost no different from the example given above. You can indicate the location of your internship.

Difficulties are most often caused by the fear that a young specialist experiences during an interview.

You can start working at any age. But people of the older generation, in most cases, have already worked somewhere. And it’s mostly yesterday’s students who are looking for their first job. In such a situation, you should definitely use a sample resume for a bank. So as not to make a mistake anywhere.

You need to be prepared that you won’t be able to get into a management position right after university. Most likely, these will be vacancies such as intern, assistant, junior employee. But it is from such positions that a long career path upward usually begins. Only a person who has worked his way up from a junior assistant to a senior leader will make a first-class boss. Since it is such a person who knows the entire structure financial institution from the inside. It is such a specialist who is aware of all the details and nuances of the system.

The main thing is to remember that if a workplace is rejected once, this does not mean that you need to stop. There are many banks in the country: they didn’t take it from one, they will take it from another.