Deposit Operations Officer Jobs in Michigan (NOW HIRING)

Job Title: Commercial Loan Officer Department: Commercial Lending

Reports To: Chief Lending Officer FLSA Status:Exempt

The Loan Officer is responsible for developing and maintaining customer relationships while originating and analyzing all types of business and consumer loans. This position serves as a trusted financial advisor to customers and promotes the bank’s products and services to support the financial needs of individuals, businesses, and agricultural operations within the community.

As a representative of a community bank, the Loan Officer is expected to demonstrate exceptional customer service, strong ethical standards, sound lending judgment, and active involvement in community activities.

• Develop and maintain relationships with existing and prospective customers.
• Interview loan applicants to determine creditworthiness and borrowing needs.
• Analyze financial statements, tax returns, credit reports, collateral, and other supporting documentation.
• Structure loan requests in accordance with bank policies and regulatory guidelines.
• Prepare complete loan presentations and recommendations for approval.
• Monitor and manage an assigned loan portfolio to ensure quality and compliance.
• Conduct annual loan reviews and maintain accurate loan documentation.
• Identify and address potential problem loans and work with management on resolution strategies.

• Serve as a primary point of contact for customers regarding lending and financial needs.
• Cross-sell bank products and services, including deposit accounts, and other banking solutions.
• Participate in community events, business organizations, and networking opportunities to promote the bank.
• Maintain a high level of customer satisfaction through responsive and professional service.
• Build strong relationships with local businesses and community members.
• Proactively identify and pursue new clients through networking and referrals to achieve growth.

• Ensure all lending activities comply with federal and state banking regulations, internal bank policies and objectives.
• Participate in internal and external audits and examinations as required.
• Stay current on lending regulations, industry trends, and market conditions.

• Assist with special projects as assigned.
• Participate in training and professional development opportunities.Support the bank’s mission, values, and commitment to community banking

• Bachelor’s degree in finance, Business, Accounting, or related field preferred.
• Equivalent combination of education and banking experience may be considered.
• A minimum of 2 years of experience in lending.
• Knowledge of banking operations and financial analysis preferred.

• Strong knowledge of credit analysis, commercial lending practices, and loan structuring.
• Deep understanding of the local business market and a passion for community involvement.
• Excellent communication, relationship-building, and negotiation skills.
• Self-motivated, goal oriented, and comfortable managing a growing portfolio.
• Ability to work collaboratively with a small but highly effective leadership team.
• Strong analytical and financial assessment skills.
• Excellent communication and interpersonal abilities.
• Ability to build and maintain customer relationships.
• Strong organizational skills and attention to detail.
• Ability to exercise sound judgment and make informed lending decisions.
• Proficiency in Microsoft Office and banking software systems.
• Ability to maintain confidentiality and handle sensitive information.

Must be able to work under pressure and exhibit good judgment in making decisions pertaining to the overall health of the bank and its employees. Position requires extended periods of sitting and computer use. In addition, travel to customers/potential customers and events as required.

First Independence Bank offers competitive compensation and benefits which include: health, dental, vision, life, and disability insurances. Also, 401(k) and paid time off.

First Independence Bank is an Equal Opportunity Employer. Qualified applicants will receive consideration for employment without regard to race, color, religion, sexual orientation, gender identification, age, sex, marital status, national origin, disability, genetic information, height or weight, veteran status, or other category protected by local, state, or federal law.