GENERAL SUMMARY

Represent the company in the area of customer service and evaluation of loan applications. Verify through outside sources, the accuracy of information on the application, review debt-to-income and loan-to-value ratios and assemble and submit a completely documented file to automated underwriting systems. Review appraisals. Schedule and facilitate loan closings. Assure that all documentation needed to support an underwriting decision and loan closing is in the loan file.

REPORTS TO: Mortgage Operations Manager

 

ACCOUNTABILITY STANDARDS

• Portray the proper bank image by maintaining good customer relations, both internal and external
• Perform duties accurately, efficiently and in a timely manner
• Develop relationship banking for your clients: Get to know them, greet them by name, and SELL or CROSS-SELL. (Tracking sales and referral efforts and results.)
• Get to know our organization thoroughly – what it stands for, the services it offers, and who are the staff members involved in providing particular services. Through you, your client will be assisted in understanding how valuable ChoiceOne can be to them
• Be flexible, possess the ability to manage priorities and handle multiple tasks
• Conduct yourself according to our corporate values
• Know our Mission Statement: “Provide Superior Service, Quality Advice, and Show Utmost Respect to Everyone we Meet.”

REQUIRED QUALIFICATIONS

• Excellent People Skills
• A high school diploma or equivalent
• Formal on-the-job training or prior loan experience in lending documents
• Proficient typing skills
• Ability to handle multiple tasks simultaneously
• Ability to meet established deadlines
• Interpersonal skills to represent the bank positively in dealing with customer transactions.
• Specific knowledge as related to mortgage documents and regulations, Freddie Mac, Fannie Mae, FHA, Rural Housing and MSHDA with preferably two years’ experience.
• Good organizational and communication skills. Excellent written and verbal skills
• Computer knowledge – Windows, Microsoft Office, Word, Excel, miscellaneous software applications (basic working knowledge)

RELATIONSHIPS

• Accountable to senior management for the fulfillment of their functions, responsibilities, and proper interpretation of authority
• Extensive contact with clients, the public, and the community and to conduct relationships in a manner that will enhance the overall strategy and marketing efforts of the organization
• Involvement in community organizations and participation in community projects and events as deemed appropriate

REQUIRED RESPONSIBILITIES

• Maintain caseload in a timely and responsible manner. The expected caseload would be an average volume that supports current production with an average processing time that meets or exceeds market expectations.
• Maintain an open line of communication with the applicant throughout the processing period, assisting them with any questions and notifying them of any additional information needed.
• Promote the company’s philosophy of providing excellent customer service through various contacts throughout processing with Realtors, builders, applicants and others.
• Daily monitor and act upon incoming mail and documentation needed for approval or closing. Maintain log and event tracking in the computer to keep other staff members aware of current status, lock expiration dates and anticipated closings.
• Review file and submit to automated underwriting systems for approval. Issue approval/conditions checklist. Review appraisals for any conditions or issues that need to be cleared prior to loan closing. Involve senior underwriting staff whenever necessary.
• Complete a final evaluation and analysis of the completed loan package and prepare the file for closing, assuring that necessary conditions are cleared.
• At a minimum, applicants, Realtors, and loan officers are given status reports at the following stages of processing: 1. After initial review of the new loan application; 2. When approval has been received; 3. When appraisal comes in; 4. When scheduling a closing; 5. 24 hours before closing date to give final figures for closing to the applicant.
• As a back up to the closer, be able to schedule, prepare documents and facilitate loan closings. Review file post-closing to assure that the loan was closed properly.
• Prepare, in a timely manner, adverse action notices and 30-day notices when required.
• Participate in creating a good working relationship with other staff members and customers.
• Answer customer calls quickly and efficiently
• Assist other team members when work flow requires.
• Assist in training new staff members in the area of loan processing, as required.
• Assist in maintaining and updating procedure manual.
• Comply with State and Federal Regulations, as applicable.
• Utilize manuals and handbooks available to increase knowledge of business and to be effective in position. Stay aware of current changes and their effect on responsibilities.
• Loan Processors are required to fulfill their responsibilities with honesty, integrity and professionalism and to maintain confidentiality of customer information.
• Performs other duties as may be required from time to time.

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:  Lead Teller / Assistant Branch Manager

 REQUIRED QUALIFICATIONS

1. Minimum of 6 months cash handling experience is preferred
2. Strong Customer Service Skills
3. Ability to work well in a team environment
4. Problem solving skills
5. Ability to follow policy and procedures
6. Strong listening and verbal communication skills
7. Detail-oriented and organized
8. Ability to multi task
9. High School or GED
10. Vault and Atm Certified with 12 months
11. Meeting and exceed teller sales/referral goals
12. Processing cash and non-cash bank transactions accurately, and efficiently while balancing daily
13. Acquiring and maintaining up to date knowledge of banking products, financial services, and technology
14. Requires schedule flexibility

 REQUIRED RESPONSIBILITIES

1. Accurately and in great confidentiality handle banking transactions
2. Advance funds from credit cards and other accounts
3. Miscellaneous duties may include night deposits, ATM balancing and service, supplies, answering phone, etc.
4. Assists with training of new teller staff.
5. Is responsible for being familiar with and complying with the provisions of the Bank Secrecy Act FACTA and USA PATRIOT Act as they relate to the functions of this position.  Completes 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.
6. Performs other duties as may be required from time to time.
7. Know the ChoiceOne Bank mission statement, “Provide superior service, quality advice, and show utmost respect to everyone we meet.”

SENIOR CREDIT ANALYST

 

Exempt – Grade Level 6

 

GENERAL SUMMARY

Performs a variety of commercial loan support services, including numerous duties which facilitate and safeguard the lending function.

 

REPORTS TO:  Credit Dept. Manager    

 

ACCOUNTABILITY STANDARDS

• Portray the proper bank image by maintaining good customer relations, both internal and external
• Perform duties accurately, efficiently and in a timely manner
• Get to know our organization thoroughly – what it stands for, the services it offers, and who are the staff members involved in providing particular services.  Through you, your client will be assisted in understanding how valuable ChoiceOne can be to them
• Be flexible, possess the ability to manage priorities and handle multiple tasks
• Conduct yourself according to our corporate values
• Know our Mission Statement: “Provide superior service, quality advice, and show utmost respect to everyone we meet.”

 

REQUIRED QUALIFICATIONS

• Bachelors Degree in finance, accounting, or other related field required.
• Minimum of three years commercial loan underwriting experience preferred (SBA, FSA, participation, and construction knowledge helpful).
• Superior Analytical Skills.
• Flexible, dependable, and service-oriented.
• Exceptional organizational and communication skills – written and verbal.
• Proficiency with computer software and learning new programs.
• Strong knowledge of financial documents and general accounting principles.
• Ability to handle multiple tasks simultaneously.
• Ability to meet established deadlines.
• Strong attention to detail.
• Expected to conduct relationships in a manner that will enhance the overall marketing effort of the organization.

 

RELATIONSHIPS

• Accountable to Credit Manager for the fulfillment of their functions, responsibilities, and proper interpretation of authority.
• Extensive contact with clients, the public, and the community and to conduct relationships in a manner that will enhance the overall strategy and marketing efforts of the organization.
• Involvement in community organizations and participation in community projects and events as deemed appropriate.

 

REQUIRED RESPONSIBILITIES

• Use critical thinking to conduct thorough risk analysis of applications for commercial credit including the Bank’s most complex relationships.
• Construct financial statement spreads and understand and interpret key ratios.
• Complete thorough real estate evaluations on various property types.
• Responsible for calculating risk scorecard and recommending risk ratings.
• Collect credit information for preparation of commercial loan package.
• Provide an analyzed, researched, and documented package for review by supervisor, officers, committee, or Board as appropriate.
• Maintains complete and orderly credit files on loan customers and obtains credit information on borrowers.
• Maintains various loan/departmental reports.
• Client contact as necessary.
• Provide bank management with loan reports as required in a timely manner.
• Mentor and train new credit analysts – as applicable.
• Assists supervisor in the establishment and maintenance of procedures necessary to assure good quality loan documentation.
• Assist loan officers as requested.
• Working knowledge of and compliance with policies and procedures of the Bank.
• Is responsible for being familiar with and complying with the provisions of the Bank Secrecy Act and USA PATRIOT Act as they relate to the functions of this position.  Completes 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.
• Performs other duties as may be required from time to time.

COMMERCIAL LOAN DOCUMENTATION SPECIALIST

 

(Non)Exempt / Grade Level (4)

 

 

GENERAL SUMMARY

Perform a variety of clerical support services, including numerous duties which facilitate and safeguard the lending function.

 

REPORTS TO:  AVP Loan Operations

ACCOUNTABILITY STANDARDS

• Perform duties accurately and in an efficient manner
• Portray the proper bank image by maintaining good customer relations, both internal and external
• Get to know our organization thoroughly – what it stands for, the services it offers, and who are the staff members involved in providing particular services.  Through you, your client will be assisted in understanding how valuable ChoiceOne can be to them
• Be flexible, possess the ability to manage priorities and handle multiple tasks
• Conduct yourself according to our corporate values
• Know our mission: “Provide superior service, quality advice, and show utmost respect to everyone we meet.”

 

REQUIRED QUALIFICATIONS

• Minimum of 1-2 years of Commercial Loan Documentation experience
• Knowledge of business entity documents including corporations, LLC’s, partnerships, etc
• Excellent People Skills
• 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)
• Proficient typing skills
• Ability to handle multiple tasks simultaneously
• Ability to meet established deadlines
• Expected to conduct relationships in a manner that will enhance the overall marketing effort of the organization

 

RELATIONSHIPS

• Accountable to management for the fulfillment of their functions, responsibilities, and proper interpretation of authority
• Extensive contact with clients, the public, and the community and to conduct relationships in a manner that will enhance the overall strategy and marketing efforts of the organization
• Involvement in community organizations and participation in community projects and events as deemed appropriate

REQUIRED RESPONSIBILITIES

• Prepare commercial loan documents (including SBA, construction, letters of credit, farm loans, etc.)
• Order supporting documents – UCC searches, business registrations, certificates of good standing, credit reports, title work, resolutions, surveys, etc.
• Occasionally meets with customers to close various types of loans.
• Complete follow-up to loan terms and conditions post-closing – title policies, mortgage recordings, insurances, etc.
• Prepare loan extensions and amendments
• Maintain credit and collateral files
• Occasionally perform steps necessary to finalize closed/paid loans – discharges, releases, terminations, etc.
• Handle notices, correspondence, and reporting requirements appropriately and in a timely manner
• Customer Service – transaction processing, loan inquiries, etc.
• Assist Loan Officers and others in the department as requested
• Is responsible for being familiar with and complying with the provisions of the Bank Secrecy Act and USA PATRIOT Act as they relate to the functions of this position.  Completes 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
• Performs other duties as may be required from time to time

 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:  Lead Teller / Assistant Branch Manager

REQUIRED QUALIFICATIONS

• Minimum of 6 months cash handling experience is preferred
• Strong Customer Service Skills
• Ability to work well in a team environment
• Problem solving skills
• Ability to follow policy and procedures
• Strong listening and verbal communication skills
• Detail-oriented and organized
• Ability to multi task
• High School or GED
• Vault and Atm Certified with 12 months
• Meeting and exceed teller sales/referral goals
• Processing cash and non-cash bank transactions accurately, and efficiently while balancing daily
• Acquiring and maintaining up to date knowledge of banking products, financial services, and technology
• Requires schedule flexibility

REQUIRED RESPONSIBILITIES

• Accurately and in great confidentiality handle banking transactions
• Advance funds from credit cards and other accounts
• Miscellaneous duties may include night deposits, ATM balancing and service, supplies, answering phone, etc.
• Assists with training of new teller staff.
• Is responsible for being familiar with and complying with the provisions of the Bank Secrecy Act FACTA and USA PATRIOT Act as they relate to the functions of this position.  Completes 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.
• Performs other duties as may be required from time to time.

Teller

 

Non-Exempt – Grade Level 1

 

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:  Lead Teller / Assistant Branch Manager

 

REQUIRED QUALIFICATIONS

• Minimum of 6 months cash handling experience is preferred
• Strong Customer Service Skills
• Ability to work well in a team environment
• Problem solving skills
• Ability to follow policy and procedures
• Strong listening and verbal communication skills
• Detail-oriented and organized
• Ability to multi task
• High School or GED
• Vault and Atm Certified with 12 months
• Meeting and exceed teller sales/referral goals
• Processing cash and non-cash bank transactions accurately, and efficiently while balancing daily
• Acquiring and maintaining up to date knowledge of banking products, financial services, and technology
• Requires schedule flexibility

 

REQUIRED RESPONSIBILITIES

• Accurately and in great confidentiality handle banking transactions.
• Advance funds from credit cards and other accounts.
• Miscellaneous duties may include night deposits, ATM balancing and service, supplies, answering phone, etc.
• Assists with training of new teller staff.
• Is responsible for being familiar with and complying with the provisions of the Bank Secrecy Act FACTA and USA PATRIOT Act as they relate to the functions of this position.  Completes 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.
• Performs other duties as may be required from time to time.

Teller

Non-Exempt – Grade Level 1 

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:  Lead Teller / Assistant Branch Manager

 

REQUIRED QUALIFICATIONS

• Minimum of 6 months cash handling experience is preferred
• Strong Customer Service Skills
• Ability to work well in a team environment
• Problem solving skills
• Ability to follow policy and procedures
• Strong listening and verbal communication skills
• Detail-oriented and organized
• Ability to multi task
• High School or GED
• Vault and Atm Certified with 12 months
• Meeting and exceed teller sales/referral goals
• Processing cash and non-cash bank transactions accurately, and efficiently while balancing daily
• Acquiring and maintaining up to date knowledge of banking products, financial services, and technology
• Requires schedule flexibility

 

REQUIRED RESPONSIBILITIES

• Accurately and in great confidentiality handle banking transactions
• Advance funds from credit cards and other accounts
• Miscellaneous duties may include night deposits, ATM balancing and service, supplies, answering phone, etc.
• Assists with training of new teller staff
• Is responsible for being familiar with and complying with the provisions of the Bank Secrecy Act FACTA and USA PATRIOT Act as they relate to the functions of this position.  Completes 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.
• Performs other duties as may be required from time to time

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

Lead Teller / Assistant Branch Manager

Required Qualifications

• Minimum of 6 months cash handling experience is preferred
• Strong Customer Service Skills
• Ability to work well in a team environment
• Problem solving skills
• Ability to follow policy and procedures
• Strong listening and verbal communication skills
• Detail-oriented and organized
• Ability to multi task
• High School or GED
• Vault and ATM Certified within 12 months
• Meeting and exceed teller sales/referral goals
• Processing cash and non-cash bank transactions accurately and efficiently while balancing daily
• Acquiring and maintaining up-to-date knowledge of banking products, financial services, and technology
• Requires schedule flexibility

Required Responsibilities

• Accurately and in great confidentiality handle banking transactions
• Advance funds from credit cards and other accounts
• Miscellaneous duties may include night deposits, ATM balancing and service, supplies, answering phone, etc.
• Is responsible for being familiar with and complying with the provisions of the Bank Secrecy Act FACTA and USA PATRIOT Act as they relate to the functions of this position.  Completes 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.
• Performs other duties as may be required from time to time.

Description:  ChoiceOne Bank, a community bank based in Sparta, MI is helping students gain valuable work experience and learn about careers in the financial industry.

Candidates:  Summer Intern candidates must be enrolled as a full time college student.

Opportunities:  This internship offers the following opportunities:

• After a week-long training program, Interns will work in our community as a Bank Teller. In this role they will learn about the US banking system, customer service skills, business and personal banking products, and the Bank Secrecy Act, They will work side-by-side with our staff putting into practice cash handling, accounting and auditing.
• Attending classes offered at our “ChoiceU” professional development program. Offering classes in finance, communication skills, goal setting, leadership in business and much more.
• An opportunity to work with one or more of the following departments for a two week period: Commercial Leading, Investments, Mortgage Department, Accounting, Marketing, Human Resources or Technology.
• Community Service – working in our communities on different events – local festivals, parades, reading programs with local libraries, etc.
• A round table event with the President of the Bank.

 

Duration & Location:   ChoiceOne Internships normally run during the summer from approximately May through August, depending on student schedules.  After a successful internship, students will also be eligible to work during winter or spring break.  Interns will be based in one of the ChoiceOne branches in West Michigan.

Hours & Pay:  Interns will be scheduled 40 hours a week during our normal business hours (M-F 9:00-5:30 & Sat 9:00-12:30).  Interns will be expected to work most Saturdays.  Pay is $10.50 per hour

Looking Ahead:  In addition to great professional experience and training, successful Interns will be eligible for a full-time job offer upon graduation in the ChoiceOne Management Trainee program.