Full-Time Credit Associate

ChoiceOne Bank•Sparta, MI

7h•Hybrid

About The Position

Support commercial lending personnel by tracking financial statements of commercial loan customers and reviewing any outstanding items required. This role involves maintaining credit files, maintaining various tracking systems and spreadsheets, and helping ensure credit policies are followed to minimize financial risk while supporting business growth.

Requirements

High School Diploma AND one (1) year of customer service in banking, financial services or goal driven retail sales
Oral 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.
Written Communication – 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.
Quality – Demonstrates accuracy and thoroughness; monitors own work to ensure quality.
Quantity – Meets productivity standards; completes work in a timely manner; strives to increase productivity; works quickly.
Safety and Security – Observes safety and security procedures.
Adaptability – Adapts to changes in work environment; manages competing demands; changes approach or method to best fit the situation; able to deal with frequent change, delays or unexpected events.
Attendance/Punctuality – Is consistently at work and on time; ensures work responsibilities are covered when absent; arrives at meetings and appointments on time.
Flexibility – able to provide flexibility and adapt to changing schedules.
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.
Innovation – Displays original thinking and creativity; meets challenges with resourcefulness; presents ideas and information in a manner that gets others’ attention.

Nice To Haves

Bachelor's Degree in business-related major preferred

Responsibilities

Request and track current financial statements and tax returns from our current customers
Prepare agenda and update various reports reviewed at each weekly Officer's Loan Committee. Record, type, and maintain minutes for each meeting
Perform Quality Control Checklists
Maintain complete and accurate electronic ‘credit files’ in Synergy and Metriciti
Maintain monthly borrowing base certificate spreadsheet, including reviewing borrowing base certificates provided by Borrower’s for accuracy
Verify covenant compliance and update tracking details
Respond to credit inquiries/verifications on commercial customers
Adhere to all compliance laws and regulations
Other duties as assigned by supervisor
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 report 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