Commercial Loan Officer II

ChoiceOne Financial Services, Inc.•Grand Blanc, MI

51d

About The Position

The Commercial Loan Officer develops and manages commercial loan accounts that meet established lending requirements and provide maximum profitability to the Bank at minimum risk.

Requirements

Bachelor's Degree in Business or related major
Lending and/or Credit Experience required
3-5 Years of job experience to progressively become familiar with all lending functions and regulatory requirements
Understanding of underwriting, coverages, and rating procedures
Effective written and oral communication skills required, with the ability to interface with Internal and external stakeholders and community partners. Has group presentation skills.
Demonstrates accuracy and thoroughness; monitors own work and the work of others to ensure quality.
Assesses own strengths and weaknesses; pursues training and development opportunities; strives to continuously build knowledge and skills; shares expertise with others as necessary. Has a thorough understanding of underwriting, coverages and rating procedures.
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.
Develops project plans; coordinates projects; communicates changes and progress; completes projects on time ad budget; manages project team activities.
Undertakes self-development activities; takes independent actions and calculated risks; looks for and takes advantage of opportunities; asks for and offers help when needed.
Meets productivity standards; completes work in a timely manner; stives to increase productivity; works quickly.

Responsibilities

Monitor and manage assigned loan portfolio by maintaining up to date financial information to ensure ongoing accurate loan grades and risk assessments. Portfolio to consist of, on average, 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.

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