Commercial Banker Resume examples & templates
Copyable Commercial Banker Resume examples
Ever wondered why commercial bankers are often called the "backbone of business growth"? As the critical link between financial institutions and mid-market companies, commercial bankers don't just approve loans—they're strategic partners who help businesses navigate complex financial landscapes and capitalize on opportunities. The field has evolved dramatically since the 2008 financial crisis, with relationship management skills now prized alongside traditional credit analysis expertise. According to recent American Bankers Association data, commercial lending grew by 4.7% in 2022, outpacing other banking sectors despite economic uncertainty.
Today's commercial bankers balance the technical side of finance (underwriting, portfolio management, risk assessment) with the human element of building client relationships. The industry is seeing a significant shift toward specialization, with bankers developing expertise in specific industries like healthcare, manufacturing, or technology. Looking ahead, commercial banking offers promising opportunities for professionals who can combine financial acumen with consultative skills—especially as businesses seek trusted advisors to help them adapt to changing economic conditions and navigate an increasingly complex regulatory environment.
Junior Commercial Banker Resume Example
CALEB WILSON
Portland, OR | (503) 555-8912 | caleb.wilson@email.com | linkedin.com/in/calebwilson
PROFESSIONAL SUMMARY
Recent finance graduate with 1+ year experience in commercial banking through internship and entry-level role. Proven ability to support relationship managers with client onboarding and credit analysis for small-to-medium business clients. Eager to leverage academic foundation and growing experience to develop deeper client relationships and expand commercial lending expertise.
EXPERIENCE
Junior Commercial Banking Associate
Pacific Northwest Bank – Portland, OR
June 2023 – Present
- Support a team of 4 relationship managers handling a portfolio of 37 small-to-medium business clients with combined deposits of $48M
- Prepare preliminary credit analyses and financial spreading for commercial loan applications using Moody’s Analytics software
- Assist with gathering client documentation for KYC requirements and annual reviews
- Collaborate with treasury management specialists to identify cross-selling opportunities, contributing to 3 new service implementations worth $13K in annual fee income
- Participate in weekly pipeline meetings to track client status and identify service opportunities
Commercial Banking Intern
First Columbia Bank – Portland, OR
January 2023 – May 2023
- Shadowed relationship managers during client meetings and assisted with meeting preparation and follow-up
- Learned fundamentals of financial statement analysis and helped spread financial data in the bank’s credit system
- Researched industry trends for 5 target sectors to support business development efforts
- Created Excel models to track portfolio performance metrics
Bank Teller (Part-time)
Oregon Community Credit Union – Eugene, OR
September 2021 – December 2022
- Processed average of 85 daily transactions including deposits, withdrawals and loan payments
- Resolved customer inquiries regarding account services while maintaining 96% customer satisfaction
- Cross-sold personal banking products, referring 14 qualified leads to personal bankers
- Balanced cash drawer with 100% accuracy
EDUCATION
Bachelor of Science in Finance
University of Oregon – Eugene, OR
Graduated: December 2022
- GPA: 3.7/4.0
- Relevant Coursework: Financial Markets, Commercial Banking, Corporate Finance, Financial Statement Analysis
- Finance Club Treasurer (2021-2022)
CERTIFICATIONS
Bloomberg Market Concepts (BMC) – Completed April 2023
ABA Commercial Lending Fundamentals Certificate – In progress (completion expected Sep 2023)
SKILLS
- Financial Statement Analysis
- Credit Underwriting (basic)
- Loan Documentation
- Client Relationship Management
- Microsoft Office Suite (advanced Excel)
- Moody’s Analytics
- nCino Banking Platform
- Treasury Management Products
- Commercial Loan Structuring
- Cash Flow Analysis
ADDITIONAL
Portland Bankers Association – Member since 2023
Oregon Food Bank – Volunteer (quarterly)
Mid-level Commercial Banker Resume Example
KAREN PETERSON
Chicago, IL | (312) 555-8764 | karen.peterson@email.com | linkedin.com/in/karenpeterson
Commercial Banking professional with 6+ years of experience in relationship management, credit analysis, and portfolio management. Skilled at building lasting client relationships and structuring complex financial solutions for middle-market companies ($25M-$300M in revenue). Consistently exceeded loan production targets while maintaining strong credit quality and compliance standards.
EXPERIENCE
Assistant Vice President, Commercial Banking
First Midwest Financial Group | Chicago, IL | June 2021 – Present
- Manage portfolio of 35+ middle-market relationships totaling $215M in commitments across various industries including manufacturing, healthcare, and distribution
- Grew portfolio by $47M (28%) in 2022 through effective business development and cross-selling efforts
- Structured and closed a $32M acquisition financing package for a food processing client, resulting in $178K in annual fee income
- Lead weekly pipeline review meetings with credit analysts to prioritize deals and ensure timely responses to client requests
- Collaborate with Treasury Management team to increase non-interest income by 23% year-over-year
Commercial Banking Officer
First Midwest Financial Group | Chicago, IL | January 2019 – May 2021
- Managed portfolio of 25+ commercial clients with average relationship size of $4.2M
- Analyzed financial statements, prepared credit memos, and presented loan recommendations to senior credit committee
- Identified $5.8M in new loan opportunities through proactive client engagement and referral partners
- Coordinated with internal partners in Wealth Management, Insurance, and Treasury Services to deliver comprehensive financial solutions
- Recognized as “Rising Star” in 2020 for exceptional client service scores (4.8/5.0) and portfolio growth
Credit Analyst
Midwest Regional Bank | Milwaukee, WI | August 2017 – December 2018
- Performed comprehensive financial analysis for commercial loan requests ranging from $500K to $15M
- Prepared detailed credit memos with industry analysis, financial projections, and risk assessments
- Worked closely with relationship managers to structure appropriate financing solutions for clients
- Monitored covenant compliance for 60+ commercial relationships and identified early warning signs for potential downgrades
EDUCATION
Master of Business Administration, Finance Concentration
DePaul University, Chicago, IL | 2020
Bachelor of Science, Business Administration
University of Wisconsin, Madison | 2017
CERTIFICATIONS & TRAINING
- Commercial Lending School, Risk Management Association (RMA) – 2019
- Credit Risk Certification (CRC) – In progress, expected completion Fall 2023
- Advanced Financial Statement Analysis Workshop – 2021
- Anti-Money Laundering (AML) and BSA Compliance Training – 2022
SKILLS
- Relationship Management
- Financial Statement Analysis
- Cash Flow Forecasting
- Credit Underwriting
- Loan Structuring
- Portfolio Management
- Business Development
- Cross-Selling
- Salesforce CRM
- nCino Loan Origination
- MS Excel (Advanced)
PROFESSIONAL AFFILIATIONS
- Risk Management Association (RMA), Member since 2018
- Chicago Commercial Finance Association, Member
- Urban Banking Coalition, Volunteer Mentor
Senior / Experienced Commercial Banker Resume Example
Michael A. Thornton
Chicago, IL | (312) 555-7824 | mthornton@email.com | linkedin.com/in/michaelathornton
Commercial banking professional with 10+ years of experience managing complex lending relationships with middle-market companies ($25M-$250M revenue). Known for structuring creative financing solutions that mitigate risk while supporting client growth objectives. Consistently exceeded portfolio growth targets while maintaining exceptional credit quality (zero charge-offs over past 5 years). Skilled at navigating challenging economic environments and building lasting client relationships.
EXPERIENCE
First Midwest Financial Group — Chicago, IL
Senior Vice President, Commercial Banking | January 2020 – Present
- Lead a team of 7 relationship managers responsible for a $875M commercial loan portfolio across diverse industries including manufacturing, healthcare, and distribution
- Generated $128M in new loan commitments in 2022, exceeding annual goal by 43% despite challenging market conditions
- Structured a $62M syndicated credit facility for a private equity-backed manufacturer, including senior debt, mezzanine financing, and interest rate hedging components
- Implemented a sector-focused approach to business development, resulting in 31% increase in healthcare portfolio and 17 new client relationships
- Serve on bank’s Senior Credit Committee, reviewing and approving all transactions over $10M
Commerce Bank — St. Louis, MO
Vice President, Commercial Banking | March 2016 – December 2019
- Managed $315M commercial loan portfolio consisting of 42 middle-market relationships
- Developed and executed a targeted business development strategy that increased portfolio by $83M (36% growth) over 3 years
- Led cross-functional team in restructuring a troubled $27M relationship, preventing potential charge-off and returning client to performing status
- Collaborated with Treasury Management to increase non-interest income by 22% through expanded cash management services
- Recognized as “Top Performer” for 3 consecutive years (2017-2019)
Regions Bank — Nashville, TN
Commercial Banking Officer | August 2013 – February 2016
- Managed $175M portfolio of commercial relationships with annual revenues between $25M-$100M
- Partnered with senior bankers to develop and present complex credit structures to loan committee
- Originated $48M in new loan commitments in 2015, ranking 2nd among regional banking officers
- Coordinated with Wealth Management to provide comprehensive financial solutions for business owners, generating $2.7M in investment assets
EDUCATION
Vanderbilt University, Owen Graduate School of Management — Nashville, TN
Master of Business Administration (MBA), Finance Concentration | 2012
University of Tennessee — Knoxville, TN
Bachelor of Science in Business Administration, Economics | 2008
CERTIFICATIONS
- Certified Commercial Investment Member (CCIM) | 2019
- Chartered Financial Analyst (CFA), Level II Candidate
- Commercial Lending School, Risk Management Association | 2014
SKILLS
- Commercial Credit Analysis
- Deal Structuring & Negotiation
- Financial Statement Analysis
- Relationship Management
- Loan Documentation
- Syndicated Lending
- Cash Flow Forecasting
- Treasury Management Solutions
- nCino Banking Platform
- Regulatory Compliance (BSA/AML)
PROFESSIONAL AFFILIATIONS
- Association for Corporate Growth (ACG), Member
- Risk Management Association (RMA), Chicago Chapter Board Member
- Chicago Middle Market Banking Association, Member
How to Write a Commercial Banker Resume
Introduction
Landing a Commercial Banker job in today's competitive market requires more than just experience—it demands a resume that speaks directly to hiring managers and showcases your financial expertise. I've reviewed thousands of banking resumes over my career, and the difference between those that get interviews and those that don't often comes down to how effectively candidates position their commercial lending experience, relationship management skills, and financial analysis capabilities. Your resume isn't just a career history; it's a marketing document that should highlight your ability to drive portfolio growth and manage client relationships.
Resume Structure and Format
Commercial banking hiring managers typically spend just 6-8 seconds on initial resume scans. Make those seconds count with a clean, professional format:
- Length: Stick to 1-2 pages (1 page for junior bankers, 2 pages only if you have 7+ years of experience)
- Font: Classic choices like Calibri, Arial, or Garamond in 10-12pt size
- Margins: 0.75" to 1" all around (don't squeeze too much onto the page)
- File format: Submit as PDF unless specifically asked for Word format
- Section order: Summary → Experience → Education → Skills → Certifications
Banking is all about the numbers. Your resume should reflect this by quantifying your achievements wherever possible. Don't just say you "grew the commercial loan portfolio"—specify "grew commercial loan portfolio by $13.7M (27%) in 18 months while maintaining a loan loss ratio below 0.3%."
Profile/Summary Section
Your summary should pack a punch in 3-5 lines, highlighting your commercial banking specialty, years of experience, and 2-3 key strengths. Avoid generic statements like "results-driven professional." Instead, try something like:
"Commercial Banker with 6 years specializing in manufacturing sector lending. Built $42M portfolio from scratch across 37 middle-market clients. Known for detailed financial analysis that kept non-performing loans at 0.5% (vs. branch average of 1.7%)."
Professional Experience
This section makes or breaks your application. For each role:
- Start with company name, position, and dates (month/year)
- Include a brief 1-line description of your role if not obvious
- List 4-6 accomplishment-focused bullets per position
- Lead with strong action verbs (analyzed, negotiated, structured)
- Focus on portfolio size, growth percentages, and client retention metrics
Example bullet: "Structured and closed 14 commercial real estate transactions totaling $27.3M in 2022, including a complex $8.5M deal for a multi-use property that became the branch's flagship account."
Education and Certifications
List your degrees in reverse chronological order. For commercial bankers, relevant certifications can significantly boost your resume:
- CTP (Certified Treasury Professional)
- CFA (Chartered Financial Analyst)
- CCM (Certified Cash Manager)
- Credit Risk Certification
- RMA (Risk Management Association) certifications
For each certification, include the year obtained or "In Progress" if you're still working toward it.
Keywords and ATS Tips
Most banks use Applicant Tracking Systems to filter resumes before human eyes ever see them. Include these terms naturally throughout your resume:
- Commercial credit analysis
- Portfolio management
- Relationship banking
- Loan structuring
- Financial statement analysis
- Cross-selling
- Risk assessment
- C&I lending (or relevant specialty)
- Treasury management services
Industry-specific Terms
Show your expertise by correctly using banking terminology. Mention specific loan types you've worked with (asset-based lending, SBA loans, syndicated loans) and risk assessment models you're familiar with. Reference relevant banking regulations you have experience with, like Dodd-Frank or BSA/AML compliance if applicable to your role.
Common Mistakes to Avoid
- Being vague about portfolio size or growth figures
- Focusing on duties rather than accomplishments
- Overlooking client retention metrics
- Failing to mention specific industries or client types you've worked with
- Using general financial terms instead of commercial banking-specific language
Before/After Example
Before: "Responsible for managing commercial clients and growing business."
After: "Managed 27 commercial relationships ($31M total portfolio) with focus on healthcare and manufacturing sectors, achieving 93% client retention while expanding average relationship value by $127K through treasury management cross-sells."
Remember—a great commercial banker resume shows not just what you did, but the value you brought to your bank and its clients. Good luck with your application!
Related Resume Examples
Soft skills for your Commercial Banker resume
- Relationship cultivation – building trust with clients by being responsive and following through on commitments, even during market fluctuations
- Financial storytelling – explaining complex banking solutions and credit structures in terms that resonate with business owners’ specific needs
- Cross-functional collaboration with credit analysts, wealth advisors, and treasury specialists to create comprehensive client packages
- Diplomatic negotiation skills for navigating loan committee approvals and managing client expectations around pricing and terms
- Strategic listening to identify unstated business needs and opportunities beyond initial transaction requests
- Time management across a portfolio of 30+ business relationships with competing priorities and deadlines
Hard skills for your Commercial Banker resume
- Credit analysis and underwriting (evaluated 37+ loan packages of $500K-$4.2M annually)
- SBA 7(a) and 504 loan program expertise
- Financial statement interpretation using RAROC and risk-adjusted pricing models
- Moody’s Analytics credit scoring methodology
- Proficient in nCino, Salesforce Banking Cloud and Finastra
- Cash flow forecasting and working capital analysis
- Treasury management solutions implementation
- Commercial real estate lending (owner-occupied and investment properties)
- ACBS loan accounting system navigation