Commercial Loan Officer

Company: ChoiceOne Bank
Location: Brighton
Posted on: February 16, 2026

Job Description:

Job Description Job Description Description: Commercial Loan Officer Exempt - Grade Level 8 Equal Employment Opportunity Corporate Values & Mission “Provide superior service, quality advice and show utmost respect to everyone we meet.” General Summary As a Commercial Lender, you will develop and manage commercial loan accounts that meet established lending requirements and provide maximum profitability to the Bank at minimum risk. Reports To: VP Market Manager Essential Duties and 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. Qualifications To perform this job successfully, an Individual in this position must be able to perform each of the above essential duties satisfactorily and exhibit the values of the Company. In addition, the requirements listed below are representative of the knowledge, skill and/or ability required. Experience and/or Education 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 CORE COMPETENCIES In addition to the Corporate Core Competencies, individuals in this position are expected to exhibit the following: 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. By signing below, I acknowledge and understand the expectations and requirements of my role and agree to meet these duties to the best of my ability. ____________________________________ _____________ Employee Signature Date ____________________________________ Employee Name Printed (please print legibly) ____________________________________ _____________ Supervisor Signature Date ____________________________________ _____________ Human Resources Signature Date Requirements:

Keywords: ChoiceOne Bank, Livonia , Commercial Loan Officer, Accounting, Auditing , Brighton, Michigan