Commercial Banking Officer

Home › West Michigan Community Bank • Grand Rapids, MI

3d • Onsite

About The Position

The Commercial Banking Officer builds and manages a commercial loan portfolio by soliciting prospective customers, actively managing customer relationships, maintaining credit quality through sound underwriting, and providing qualified referrals to other bank departments. The officer ensures that applicable bank lending policies and practices are followed. This is an exempt, full-time position serving the Greater Grand Rapids area, at the downtown Grand Rapids and/or Cascade office. The position reports to the SVP – Grand Rapids Market Manager.

Requirements

• Bachelor’s degree (B.S. or B.A.) in a business-related field.
• Minimum of 5 years of related experience.
• Ability to understand and apply principles of financial statement analysis to a wide variety of complex financial situations.

Responsibilities

• Solicit prospective commercial loan customers and conduct client and prospect calls to support business development.
• Contact prospective commercial loan clients and existing customers by phone, in writing, and face to face.
• Refer customers to other bank departments when appropriate.
• Make and service all types of secured and unsecured loans and lines of credit.
• Manage the commercial loan portfolio, focusing on growth, yield, concentration, and safety and soundness.
• Analyze and structure loan requests, make recommendations for committee decisions, approve or deny requests, and comply with regulatory requirements.
• Apply sound underwriting guidelines to maintain credit quality.
• Follow applicable bank lending policies and practices.
• Participate in volunteer and community activities to increase the bank’s presence and awareness.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level