Commercial Banking Officer

West Michigan Community Bank; Grand Rapids (MI); On-site; USD 70,000 - 110,000; Full time

Job summary

West Michigan Community Bank is seeking a Commercial Banking Officer to build a robust commercial loan portfolio in the Grand Rapids area. You will solicit new customers, manage relationships, and apply sound underwriting practices to maintain credit quality in accordance with bank policies.

The role emphasizes growth, portfolio management, and active involvement in community activities to enhance bank presence in Greater Grand Rapids.

Qualifications

• Bachelor's degree (B.S. or B.A.) in a business-related field.
• Experience in commercial lending and relationship management is preferred.

Responsibilities

• Solicit prospective commercial loan clients and manage relationships.
• Make and service secured and unsecured loans and lines of credit.
• Manage loan portfolio with focus on growth, yield, concentration, safety.
• Underwriting using sound guidelines and compliance with regulators.
• Ensure lending policies are followed.
• Apply financial statement analysis to complex situations.
• Participate in community activities to increase bank presence.

Skills

Business development

Client prospecting

Credit analysis

Underwriting

Education

Bachelor's degree in business

Job description

FDIC-Insured - Backed by the full faith and credit of the U.S. Government

WMCB is committed to our customers, the communities we serve, our shareholders and our employees. We value our employees and strive to create an environment of commitment to teamwork, respect and employee development.

West Michigan Community Bank is an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, protected veteran status, status as a qualified individual with disability, sexual orientation, gender identity or any other characteristic protected by law.

Position: Commercial Banking Officer

Location: Grand Rapids, MI

Job Id: 325

# of Openings: 1

Position Title: Commercial Banking Officer

Reports to: SVP - Grand Rapids Market Manager

Status: Exempt; Full-time

Location: Greater Grand Rapids area (DT GR and/or Cascade office)

General Summary:

Build commercial loan portfolio by soliciting prospective customers, mange customer relationships through active calling, use sound underwriting guidelines to maintain credit quality, and provide qualified referrals to other departments. Ensure that applicable bank lending policies and practices are followed.

Job Duties & Responsibilities:

• Business Development - Client and/or Prospect calling and business development are essential components of this position. Introductions and referrals to other Bank departments (when appropriate) are also essential. Phone, written and face-to-face contact with prospective commercial loan clients as well as existing customers
• Make and service all types of secured and unsecured loans and lines of credit.
• Manage commercial loan portfolio - focusing on growth, yield, concentration, and safety & soundness.
• Underwriting- Uses sound underwriting guidelines to maintain credit quality, analysis and structuring of loan request, recommendations for committee decisions, approve/deny requests, compliance with regulators.
• Ensures that applicable bank lending policies and practices are followed.
• Lender must have the ability to comprehend and apply principals of financial statement analysis to a wide variety of complex financial situations
• Involvement in volunteer/community activities to increase bank presence and awareness

Education/Experience

• Bachelor's degree (B.S. or B.A.) in a business related field

Here at West Michigan Community Bank we offer a variety of checking account options to best meet the needs of all of our customers.

Great service with that 'Small Town Bank Feel' that we used to enjoy! Its worth your time to become a new customer.