We See a Career.

Mortgage Underwriter

Exempt – Grade Level 5

Equal Employment Opportunity

CORPORATE VALUES & MISSION

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

GENERAL SUMMARY

The Underwriter is responsible for the overall underwriting quality of mortgage loan production.  This is a leadership role where maintaining focus on producing quality loans while supporting pro-growth initiatives is necessary.   The Underwriter will need to stay abreast of the most up-to-date underwriting guidelines and loan programs from Freddie Mac, Fannie Mae, FHA, Rural Housing, MSHDA and various investors to whom the bank sells loans, as well as provide flexible, common-sense underwriting that may from time to time require a business decision.  It will be important that the Underwriter facilitate additional assistance from senior management when a business decision is required.

REPORTS TO:    VP Loan Operations Manager

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Provide fair and consistent underwriting decisions, based on factual information in the file without personal bias or judgment.
• Underwrite to Freddie Mac, Fannie Mae, FHA, Rural Housing, MSHDA and investor guidelines, as well as requirements of various mortgage insurance providers, and adhere to bank policies and procedures and state and federal requirements.
• Provide leadership in streamlining underwriting and documentation requirements, requiring only that information that is pertinent and necessary to make an underwriting decision. Care should be taken not to ask for excessive or unnecessary documentation, however, caution should be exercised in issuing conditional approvals where the approval could be rescinded based on additional information requested.
• Responsible for staying up-to-date on all new bank loan programs as well as secondary marketing underwriting guidelines.
• Maintain manual of loan programs, keeping information up-to-date and keeping staff aware of any changes to these programs or investor guidelines. Utilize email and Intranet to get information out to the staff on a consistent basis.
• Assist in the loan processing or closing areas as needed, providing support in making decisions or assisting occasionally with workflow as requested.
• Keep an open door to loan staff, giving helpful advice or training as needed, with the objective of helping the staff be able to be more knowledgeable to enhance the overall team capability.
• Conduct relationships in a manner that will enhance the overall marketing effort of the organization.
• 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.

 

PHYSICAL DEMANDS & WORK ENVIRONMENT

• Must be able to lift 25lbs

• Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

 

EXPERIENCE and/or EDUCATION

• High School Diploma or equivalent
• Minimum of two (2) years’ experience underwriting to the secondary market, with solid knowledge of Freddie Mac, Fannie Mae, FHA, Rural Housing, MSHDA and other investor underwriting guidelines and loan programs.
• Excellent people skills as well as detail orientation.
• Must have the ability to examine the details of a loan but still maintain an understanding of the loan’s overall merits.

• Flexible, dependable, and service-oriented
• Good organizational and communication skills. Excellent written and verbal skills
• Computer knowledge – Windows, Microsoft Office, Word, Excel, miscellaneous software applications (basic working knowledge)
• General Accounting Knowledge
• Ability to handle multiple tasks simultaneously
• Ability to meet established deadlines

 

CORE COMPETENCIES

In addition to the Corporate Core Competencies, individuals in this position are expected to exhibit the following:

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. Has a thorough understanding of underwriting, coverages and rating procedures

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.

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.

Commercial Lender

Equal Employment Opportunity

CORPORATE VALUES & MISSION

“Provide superior service and high-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 Commercial Lending Team Lead and SVP Chief Lending Officer

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.

PHYSICAL DEMANDS & WORK ENVIRONMENT

• Must be able to lift 25lbs
• Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

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

REQUIRED QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

CORE COMPETENCIES

Confidentiality – Keeps sensitive business, client, and personnel matters private

Problem Solving – Identifies and resolves problems in a timely manner; gathers and analyzes information skillfully; develops alternative solutions; works well in group problem solving situations; uses reason even when dealing with emotional topics.

Customer Service – Manages difficult or emotional customer situations; responds promptly to customer needs; solicits customer feedback to improve service; responds to requests for service and assistance; meets commitments.

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.

Interpersonal Skills – Focuses on solving conflict, not blaming; maintains confidentiality; listens to others without interrupting; keeps emotions under control; remains open to others’ ideas and tries new things.

Teamwork – Balances team and individual responsibilities; exhibits objectivity and openness to others’ views; gives and welcomes feedback; contributes to building a positive team spirit; puts success of team above own interests; able to build morale and group commitments to goals and objectives; supports everyone’s efforts to succeed; makes self- available to staff; develops their skills and encourages growth; solicits and applies customer feedback (internal and external); fosters quality focus in others; improves processes, products and services.

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

Quality Management – Looks for ways to improve and promote quality; demonstrates accuracy and thoroughness

Ethics – Treats people with respect; keeps commitments; inspires the trust of others; works with integrity and ethically; upholds organizational values.

Organizational Support – Follows policies and procedures; completes administrative tasks correctly and on time; supports organization’s goals and values; supports affirmative action and respects diversity.

Diversity – Promotes a harassment-free environment.

Motivation – Demonstrates persistence and overcomes obstacles; takes calculated risks to accomplish goals. Is a self-starter.

Professionalism – Approaches others in a tactful manner; reacts well under pressure; treats others with respect and consideration regardless of their status or position; accepts responsibility for own actions; follows through on commitments.

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.

Teller

Non-Exempt – Grade Level 1

Equal Employment Opportunity

 

CORPORATE VALUES & MISSION

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

 

GENERAL SUMMARY

The function of a teller is to pay a vital role in the customer banking experience.  Tellers are the face of ChoiceOne Bank. As a Teller you will provide World Class Customer Service by handling transactions accurately and efficiently.  Through your daily interactions with customers you will discover opportunities to help grow ChoiceOne Bank and introduce the customers to a banker.

 

REPORTS TO: Assistant Branch Manager and Branch Manager

 

ESSENTIAL DUTIES & RESPONSIBILITIES

• Perform and follow the Bank’s policies, procedures, and customer service standards
• Operate teller window in accordance with bank policy, balancing daily
• Meet and exceed teller sales/referral goals
• Process cash and non-cash bank transactions accurately, efficiently, and with great confidentiality
• Acquire and maintain up-to-date knowledge of banking products, financial services, and technology
• Develop relationships with clients and ensure customers’ awareness of services offered. Recognize clients’ needs and make referrals to the desk
• Perform other miscellaneous duties, including night deposits, ATM balancing and service, supplies, answering phone, etc.; and other duties that may be required from time to time.
• Be familiar with and comply with the provisions of the Bank Secrecy Act FACTA 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.

 

PHYSICAL DEMANDS & WORK ENVIRONMENT

• Must be able to lift 25lbs
• Standing required for extended periods of time, up to entire length of shift
• Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
• Requires schedule flexibility

 

EXPERIENCE and/or EDUCATION

• Minimum of 6 months cash handling experience preferred
• High School or GED

 

REQUIRED QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

 

CORE COMPETENCIES

Confidentiality – Keeps sensitive business, client, and personnel matters private

Problem Solving – Identifies and resolves problems in a timely manner; gathers and analyzes information skillfully; develops alternative solutions; works well in group problem solving situations; uses reason even when dealing with emotional topics.

Customer Service – Manages difficult or emotional customer situations; responds promptly to customer needs; solicits customer feedback to improve service; responds to requests for service and assistance; meets commitments.

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.

Interpersonal Skills – Focuses on solving conflict, not blaming; maintains confidentiality; listens to others without interrupting; keeps emotions under control; remains open to others’ ideas and tries new things.

Teamwork – Balances team and individual responsibilities; exhibits objectivity and openness to others’ views; gives and welcomes feedback; contributes to building a positive team spirit; puts success of team above own interests; able to build morale and group commitments to goals and objectives; supports everyone’s efforts to succeed; makes self- available to staff; develops their skills and encourages growth; solicits and applies customer feedback (internal and external); fosters quality focus in others; improves processes, products and services.

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.

Ethics – Treats people with respect; keeps commitments; inspires the trust of others; works with integrity and ethically; upholds organizational values.

Organizational Support – Follows policies and procedures; completes administrative tasks correctly and on time; supports organization’s goals and values; supports affirmative action and respects diversity.

Diversity – Promotes a harassment-free environment.

Strategic Thinking – Understands organization’s strengths and weaknesses; analyzes market and competition; identifies externals threats and opportunities; adapts strategy to changing conditions.

Motivation – Demonstrates persistence and overcomes obstacles; takes calculated risks to accomplish goals. Is a self-starter.

Professionalism – Approaches others in a tactful manner; reacts well under pressure; treats others with respect and consideration regardless of their status or position; accepts responsibility for own actions; follows through on commitments.

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.