Commercial Loan Officer

Join to apply for the Commercial Loan Officer role at Choice One Bank.

“Provide superior service, quality advice and show utmost respect to everyone we meet.”

Commercial Loan Officer – Exempt, Grade Level 8.

Equal Employment Opportunity.

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.

• Monitor assigned loan portfolio by maintaining accurate loan grades and risk assessments. Portfolio to consist of 75–150 accounts totaling $30–35,000,000.
• 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 report any observed or potential violations to a supervisor or other appropriate bank officer.
• Be familiar with and comply with all federal and state banking regulations as applicable.

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.

• 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 a business‑related major.

• Communication – Speaks clearly and persuasively; listens and seeks clarification; writes clearly and edits work for spelling and grammar; presents data accurately.
• Analytical – Synthesizes complex information; collects and researches data; uses intuition and experience.
• Technical Skills – Assesses own strengths and weaknesses; pursues training and development; build knowledge; share expertise; understands underwriting, coverages, and rating procedures.
• Judgment – Makes decisions; explains reasoning; includes appropriate people; acts timely.
• Quantity – Meets productivity standards; completes work on time; increases productivity.
• Dependability – Follows instructions; responds to management direction; takes responsibility; commits to long hours when necessary.
• Initiative – Undertakes self‑development; takes independent actions; seizes opportunities; offers help when needed.

Mid‑Senior level

Full‑time

Finance and Sales

Banking