ChoiceOne Bank · 1 month ago
Commercial Loan Officer
Brighton,MI,US
Full-time
Onsite
Mid Level
3+ years expChoiceOne Bank is dedicated to providing superior service and quality advice. As a Commercial Loan Officer, you will develop and manage commercial loan accounts, ensuring profitability while minimizing risk for the bank.
BankingCommunitiesFinancial Services
Responsibilities
Monitor assigned loan portfolio by maintaining accurate loan grades and risk assessments. Portfolio to consist of 75-150 accounts totaling $30-35,000,000.00
Make sales calls and develop new business by contacting prospects and existing clients
Interview loan applicants. Collect and analyze financial and related data to determine general creditworthiness of the borrower and merits of the specific loan request to evaluate for the purpose of making commercial loans and/or continuation/renewal of existing loans
Prepare and/or present loan presentations for committee review and approval authority
Be active in community affairs to increase bank’s visibility and to enhance new business opportunities
Additional responsibilities as assigned
Be familiar with and comply with the provisions of the Bank Secrecy Act and USA PATRIOT Act as they relate to the functions of this position. Complete all required reports related to those acts and reports any observed violations or potential violations of those acts to a supervisor or other appropriate bank officer
Be familiar with and comply with all federal and state banking regulations as applicable
Qualification
Required
Lending and/or Credit experience required
Three (3) to Five (5) years of progressively more responsible job-related experience to become familiar with all lending functions and regulatory requirements
Bachelor's Degree in business-related major
Communication - Speaks clearly and persuasively in positive or negative situations; listens and gets clarification; responds well to questions; demonstrates group presentation skills; participates in meetings; writes clearly and informatively; edits work for spelling and grammar; varies writing style to meet needs; presents numerical data accurately; able to read and interpret written information
Analytical - Synthesizes complex and diverse information; collects and researches data; uses intuition and experience to complement data
Technical Skills - Assesses own strengths and weaknesses; pursues training and development opportunities; strives to continuously build knowledge and skills; shares expertise with others. Has a thorough understanding of underwriting, coverages and rating procedures
Judgment - Displays willingness to make decisions; exhibits sound and accurate judgment; supports and explains reasoning for decisions; includes appropriate people in decision-making process. Makes timely decisions
Quantity - Meets productivity standards; completes work in a timely manner; strives to increase productivity; works quickly
Dependability - Follows instructions; responds to management direction; takes responsibility for own actions; keeps commitments; commits to long hours of work when necessary to reach goals; completes tasks on time or notifies appropriate person with an alternate plan
Initiative - Undertakes self-development activities; takes independent actions and calculated risks; looks for and takes advantage of opportunities; asks for and offers help when needed
Company
ChoiceOne Bank
ChoiceOne Bank is a West Michigan-based community banking corporation.
501-1000 employees
Funding
Current Stage
Public CompanyTotal Funding
$34.5M2024-07-25Post Ipo Equity· $34.5M
2020-02-07IPO
Leadership Team
Heather Deardorff Brolick
SVP Chief Human Resource Officer
Lee Braford
Chief Credit Officer and Senior Vice President
Recent News
MarketScreener
2025-10-24
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