Key Takeaways

  • 75% of U.S. employers use automated applicant tracking systems to screen resumes before a human reviews them (Harvard Business School & Accenture, 2021)
  • The most common ATS failures are missing keywords, incompatible formatting, and incorrect file types
  • ResumeGeni scores your resume across 8 parsing layers — modeled on the same steps enterprise ATS platforms like Workday, Greenhouse, and Taleo use to evaluate candidates

How ATS Resume Scoring Works

Applicant tracking systems parse your resume into structured data — extracting your name, contact info, work history, skills, and education — then score how well that data matches the job requirements. Many ATS rejections happen because the parser couldn't extract critical fields, not because the candidate wasn't qualified.

LayerWhat It ChecksWhy It Matters
Document extractionFile format, encoding, readabilityCorrupted or image-only PDFs fail immediately
Layout analysisTables, columns, headers, footersMulti-column layouts break field extraction
Section detectionExperience, education, skills headingsNon-standard headings cause sections to be missed
Field mappingName, email, phone, dates, titlesMissing contact info is a common cause of immediate rejection
Keyword matchingJob-specific terms, skills, certificationsKeyword overlap affects recruiter search visibility and ATS scoring
Chronology checkDate ordering, gap detectionReverse-chronological order is expected by most ATS
QuantificationMetrics, numbers, measurable outcomesQuantified achievements help human reviewers and some scoring models
Confidence scoringOverall parse quality and completenessLow-confidence parses get deprioritized in results

Frequently Asked Questions

Is ResumeGeni free?
Yes. ResumeGeni is currently in beta — ATS analysis, scoring, and initial improvement suggestions are free with no signup required. Full guidance and saved reports may require a free account.
What file formats are supported?
PDF, DOCX, DOC, TXT, RTF, ODT, and Apple Pages. PDF and DOCX are recommended for best ATS compatibility.
How is the ATS score calculated?
Your resume is processed through an 8-layer parsing pipeline that extracts structured data the same way enterprise ATS platforms do. The score reflects how completely and accurately your resume can be parsed, plus how well your content matches common ATS ranking criteria.
Can ATS read PDF resumes?
Yes, but not all PDFs are equal. Text-based PDFs parse well. Image-only PDFs (scanned documents) and PDFs with complex tables or multi-column layouts often fail ATS parsing. Our analyzer will flag these issues.
How do I improve my ATS score?
Focus on three areas: use a clean single-column format, include keywords from the job description naturally in your experience bullets, and ensure all sections (contact, experience, education, skills) use standard headings.

ATS Guides & Resources

Built by engineers with 12 years of experience building enterprise hiring technology at ZipRecruiter. Last updated .

Loan Officer / Relationship Manager

Strategichr · Cincinnati, Ohio

Career Opportunity: Loan Officer / Relationship Manager with Cincinnati Development Fund in Cincinnati, OH

 

Are you a creative and civically engaged community development finance professional with experience originating, underwriting, and structuring financial products? Are you looking for a meaningful opportunity to work collaboratively with partners to structure and deploy capital that strengthens neighborhoods and improves lives? If so, Cincinnati Development Fund has an exciting opportunity for you.

 

As the Loan Officer / Relationship Manager you will lead the commercial real estate lending process by originating, evaluating, and structuring loans. You will act as the main point of contact for borrowers, guiding projects from initial lead generation through closing.

Other responsibilities include:

  • Originate mission‑aligned loans by managing an existing customer base and developing new relationships through active business development and participation in industry and community events.
  • Serve as a trusted resource to borrowers by maintaining strong knowledge of loan products and programs and providing guidance throughout the lending process.
  • Collect, analyze, underwrite, and structure loan requests in alignment with CDF’s risk profile and Loan Committee and Board expectations.
  • Partner with Credit staff to prepare and present loan packages to the Loan Committee and Board, and clearly communicate loan decisions to borrowers.
  • Prepare preliminary and final commitment letters that accurately reflect approved terms and conditions.
  • Support loan closings in accordance with CDF’s lending policies, including coordination with legal counsel and participating banks, as applicable.
  • Collaborate with the Construction Manager and Portfolio Manager to support construction loan disbursements, monitoring, and conversion to permanent financing.
  • Assist with ongoing portfolio monitoring and resolution of troubled loans, as needed.
  • Build and maintain strong relationships with borrowers, internal teams, and public, private, and community partners.
  • Stay current on real estate development lending practices through ongoing professional development.

Qualifications:

  • Bachelor’s degree in business, finance, real estate, or a related field, with at least 3 years of experience in community development, commercial real estate finance, banking, or a similar field (6+ years for Senior LO/RM).
  • Experience in real estate lending, preferably within the community development or CDFI space.
  • Knowledge of community development financing tools and resources (NMTC, LIHTC, Historic Tax Credits, and other local, state, and federal programs).
  • Ability to analyze financial statements and apply established underwriting criteria and risk profiles.
  • Strong sales, customer service, and relationship‑building skills.
  • Highly organized with strong time‑management skills and attention to detail.
  • Collaborative team player with a positive attitude and strong interpersonal skills.
  • Proficiency in Microsoft Office (Word, Excel, Outlook, PowerPoint).
  • Passion for community and economic development, including affordable housing.
  • Experience with affordable housing programs and developing partnerships to support affordable housing lending, preferred.
  • Nonprofit or mission‑driven lending experience, preferred.
  • Professional certification in community or economic development finance (Grow America, Novogradac, IEDC, NeighborWorks, or similar).

What We Offer:

  • Competitive pay: $85,000-$105,000 base salary, depending on experience and qualifications
  • Generous paid time off
  • Comprehensive benefits options including medical, dental and vision insurance
  • Long-term and short-term disability insurance
  • 403(b) retirement plan (with company contribution)
  • Company-paid life insurance
  • Tuition reimbursement
  • Technology stipend

Cincinnati Development Fund is a 501(c)(3) nonprofit lending institution that fills a gap not covered by traditional lenders. CDF provides funding for real estate development in underserved markets in the Greater Cincinnati area as well as facilities and equipment funding for nonprofit organizations in the region. CDF’s mission is to provide innovative real estate financing for projects that strengthen low-income neighborhoods and improve lives. Our vision is to be at the forefront of redevelopment plans in Greater Cincinnati, helping low-income communities preserve their historic buildings and create vibrant, inclusive neighborhoods.

Learn More:

https://cindevfund.org/

https://www.linkedin.com/company/cincinnati-development-fund/

Apply online today to join a great team!

A certified Community Development Financial Institution (CDFI) and Community Development Entity (CDE), CDF is an equal opportunity employer and an equal opportunity provider.

#HP