Retail Lending Resume Sample

4.8
17 votes

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Adrian Conn
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Work Experience


Manager, Unsecured Retail Lending Analytics
12/2016 - PRESENT
New York, NY
  • Two years of banking or financial services experience specifically with experience in subordinations and modifications
  • Demonstrated experience with cross-functional responsibilities INDBBTMG
  • Excellent writing skills and verbal communication skills to interact with various audiences
  • Previous mortgage or retail lending experience
  • Performs credit analysis to ensure adherence to secondary marketing and good credit quality in the residential portfolio, and exercise loan approval within the Bank’s established authorities
  • Assist in the boarding of purchased Correspondent loans with Raymond James Bank’s loan servicer
  • Proactively develop and maintain mutually beneficial relationships with senior leadership members of Mortgage and Retail Lending Management. Accomplished by gaining a clear understanding of mission and goals, ensuring Audit’s participation on critical projects/task forces deliver added value. Act as client service champion by consistently modeling perfect client experience behaviors
  • Assist in the development of Audit Services’ mission statement, corporate goals, Audit Committee and regulatory reports
  • Responsible for establishing priorities for the processing, underwriting and closing areas
Retail Lending
06/2012 - 07/2016
Detroit, MI
  • Manage the daily work flow, ensuring that all applications are processed, underwritten and closed in a timely manner
  • Monitor and follow up on any production delays or quality control issues that are identified
  • Manage the preparation of commitment letters or appropriate denial or counter offer documents
  • Serves as a liaison between all parties i.e. brokers, borrowers, appraisers, mortgage insurers, etc. and the Bank during the application process
  • Manage and respond to pending issues
  • Communicates with sales and banking center personnel on policy, procedures and customer issues
  • Conduct MLO training as needed
  • Demonstrate and coach consistent delivery of the First Merchants experience. This includes proactively identifying needs and recommending solutions to improve the client’s financial position
  • Understand the line of business goals and their link to the organization’s goals
Retail Lending Consultant, Manulife Bank
05/2005 - 03/2012
Detroit, MI
  • Providing input on HMDA business regulatory requirements
  • Developing and leading HMDA department training, as appropriate
  • Providing guidance on HMDA controls over regulatory requirements and line of business monitoring of those controls
  • Work with the respective business partners to improve the operational processes associated with the capture and processing of HMDA and HMDA+ data
  • Review HMDA Complaints generated from lines of business and provide guidance on remediation, escalate and facilitate with subject matter experts, when necessary
  • Identify HMDA and HMDA+ trends in data and proactively advise on identified external and internal risks
  • Maintain subject matter expertise of applicable HMDA laws and regulations
  • Perform and review HMDA control assessments for accuracy
  • Evaluate Internal Audit, Regulatory Exam, and self-identified issues and events for HMDA compliance impacts

Education


University of Mount Union
2000 - 2005
Bachelor's Degree in Finance

Professional Skills


  • Utilizing our CRM tool (Salesforce.com) to update file status and provide status reports to the various RLS’s and DVP’s and advisors
  • Assist in capturing, maintaining, and analyzing HMDA and HDMA+ compliance data, interpreting it to ensure consistency and adequate Compliance Risk Management
  • Thorough understanding of commercial lending practices or leasing practices
  • Collaborate with sales and finance teams to develop accurate portfolio and product sales and revenue planning and forecasting
  • Act as the main escalation point for resolving business challenges, as delegated
  • Monitor a complex portfolio of work representing a significant amount of risk
  • Track and analyze individual product offering profitability and adjust product plans to ensure target performance

How to write Retail Lending Resume

Retail Lending role is responsible for credit, events, retail, finance, training, reporting, modeling, reliability, english, french.
To write great resume for retail lending job, your resume must include:

  • Your contact information
  • Work experience
  • Education
  • Skill listing

Contact Information For Retail Lending Resume

The section contact information is important in your retail lending resume. The recruiter has to be able to contact you ASAP if they like to offer you the job. This is why you need to provide your:

  • First and last name
  • Email
  • Telephone number

Work Experience in Your Retail Lending Resume

The section work experience is an essential part of your retail lending resume. It’s the one thing the recruiter really cares about and pays the most attention to.
This section, however, is not just a list of your previous retail lending responsibilities. It's meant to present you as a wholesome candidate by showcasing your relevant accomplishments and should be tailored specifically to the particular retail lending position you're applying to. The work experience section should be the detailed summary of your latest 3 or 4 positions. Representative Retail Lending resume experience can include:

  • Advise line of business on application of HMDA requirements, such as: new products, process development, development of controls and monitoring, remediation/corrective action of compliance breakdowns, and change in law or regulation
  • Conduct targeted validations and reviews on HMDA controls over applicable regulations
  • Assist line of business in the development and maintenance of the HMDA Compliance Program, such as how to monitor, report, and train
  • Support line of business through expert advice, influence adjustments to the processes, procedures, and controls
  • Manage and resolve day-to-day issues specific to area(s) of expertise, including resolving complex internal business partner and/or external customer issues; escalate more complex issues to the manager if necessary
  • Act in an advisory capacity or senior managers on the implications of proposed business decisions related to area(s) of expertise

Education on a Retail Lending Resume

Make sure to make education a priority on your retail lending resume. If you’ve been working for a few years and have a few solid positions to show, put your education after your retail lending experience. For example, if you have a Ph.D in Neuroscience and a Master's in the same sphere, just list your Ph.D. Besides the doctorate, Master’s degrees go next, followed by Bachelor’s and finally, Associate’s degree.

Additional details to include:

  • School you graduated from
  • Major/ minor
  • Year of graduation
  • Location of school
These are the four additional pieces of information you should mention when listing your education on your resume.

Professional Skills in Retail Lending Resume

When listing skills on your retail lending resume, remember always to be honest about your level of ability. Include the Skills section after experience. Present the most important skills in your resume, there's a list of typical retail lending skills:

  • Solid understanding of business unit’s inherent risk and regulatory requirements
  • Solid understanding of compliance related issues
  • Be responsible for performance and sales coaching of all retail employees involved in loan products and services in the region to ensure region goals are met
  • Responsible for managing the increase in regions market share
  • Active involvement with HMDA compliance testing and third party compliance
  • Maintain expert understanding of Compliance Risk Management Framework and applicable laws and regulations

List of Typical Skills For a Retail Lending Resume

1

Skills For Manager, Unsecured Retail Lending Analytics Resume

  • Enthusiastic about their work
  • Maintain relationships with Product Operation Management and applicable Corporate Support (i.e: Operation Risk Management), for purposes of enhancing business effectiveness within the scope of accountability
  • Provide timely analysis of information and reports on assigned area(s) of expertise to ensure compliance with Corporate Standards and maintenance of risk within acceptable levels
  • Continuously assess and improve the operational effectiveness of the assigned Product Operation Business within prescribed limits
  • Resolve complex matters, core business critical issues, operating/ technical problems, and queries within area(s) of expertise through dialogue with Business and participation with project teams
2

Skills For Retail Lending Fulfillment Operations Manager Resume

  • Administer systems: NetOxygen, Blitzdoc’s, eCopy, Payformance, Rightfax, and Empower, etc
  • Develop and execute strategic product plans, for designated set of complex products/services, in order to maintain competitive products/services, increase profitability and market penetration, and enhance overall customer satisfaction
  • Maintain clear understanding and current knowledge of competitive marketplace and trends and ensure all products meet regulatory requirements and adhere to internal risk management standards
  • Develop, recommend and execute product strategy for designated products/services, within a group/suite of complex core or non-core products and services, in order to increase revenues and market penetration and/or share of market for a portfolio of products
  • Passionate around creativity, constructively and courageously challenging ‘the way we do things’ and willingness to make and drive to choices/trade-offs and decisions
3

Skills For Mortgage & Retail Lending Audit Manager Resume

  • Exceptional detail orientation with a proven ability to meet deadlines, prioritise and perform a wide variety of tasks throughout the day
  • Loan Operations experience
  • Able to register as a licensed Mortgage Loan Originator as required under the S.A.F.E. Act
  • Implements approved credit policies and oversees overall credit quality, procedures and sales process
  • Approves, directs and coordinates credit quality and sales performance within region
  • Recruits, trains and develops business bankers/relationship managers and Financial Center Managers
  • Handles and resolves any credit related issues and complaints in region
  • Responsible to mentor and train officers in all credit related areas
  • Execute all activities in accordance with all regulatory requirements and in accordance with Associated’s brand standards and financial expectations. Gain an in-depth knowledge of the commercial, retail and default services loan policies/guidelines along with compliance regulations including but not limited to Fair Lending, RESPA, GFE, Reg X, Reg Z

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