Choiceone Financial Services jobs

Exempt - Grade Level 10 Equal Employment Opportunity Corporate Values & Mission "Provide superior service, quality advice and show our utmost respect to everyone we meet." The Commercial Loan Officer develops and manages 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 & SVP Chief Lending Officer or SVP Senior Lender Southeast Michigan Essential Duties and Responsibilities * Monitor and manage assigned loan portfolio by maintaining up to date financial information to ensure ongoing accurate loan grades and risk assessments. Portfolio to consist of, on average, 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. Qualifications 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. Experience and/or Education * Bachelor's Degree in Business or related major * Lending and/or Credit Experience required * 3-5 Years of job experience to progressively become familiar with all lending functions and regulatory requirements * Understanding of underwriting, coverages, and rating procedures Competencies Written and Oral Communication - Effective written and oral communication skills required, with the ability to interface with Internal and external stakeholders and community partners. Has group presentation skills. Quality - Demonstrates accuracy and thoroughness; monitors own work and the work of others to ensure quality. Technical Skills - Assesses own strengths and weaknesses; pursues training and development opportunities; strives to continuously build knowledge and skills; shares expertise with others as necessary. Has a thorough understanding of underwriting, coverages and rating procedures. Judgment - Displays willingness to make decisions; exhibits sound and accurate judgment; supports and explains reasoning for decisions; includes appropriate people in decision-making process. Makes timely decisions. Project Management - Develops project plans; coordinates projects; communicates changes and progress; completes projects on time ad budget; manages project team activities. 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. Quantity - Meets productivity standards; completes work in a timely manner; stives to increase productivity; works quickly. Physical Demands and Work Environment Ability to work in an office environment which may include many hours of computer and telephone usage. In addition, this position requires many hours of "outside" or non-office activities that will place the employee in a variety of private and public environments. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This position description is not to be construed as an exhaustive statement of duties, responsibilities, or requirements. Employees may be required to perform any other job-related instructions as requested by their supervisor, subject to reasonable accommodations.

Branch Manager I Exempt - Grade Level 6 Equal Employment Opportunity Corporate Values & Mission "Provide superior service, quality advice and show our utmost respect to everyone we meet." Focuses on business development and selling bank services while proactively managing the branch, coaching, and supervising Branch staff, and completing performance reviews. Works with Commercial Lending and Business Development team to serve complex customer relationships. Will have lending authority to make decisions on commercial and retail loan applications. Implements and carries out bank policy with respect to the overall operations of the branch. Reports To: AVP/VP Regional Manager Essential Duties and Responsibilities * Create a friendly and welcoming environment for customers and staff. * Manage a portfolio of high value retail and business customers. * Lead the team in referring customers to other areas of the bank. * Motivate your team to provide superior customer service and to resolve customer issues. * Proactively drive sales through community outreach, outside calling, and referrals from customers and other partners. * Leverage the Bank's tools and technology to drives sales and service. * Educate your team on all products, services, technology and policies. * Maintain an active role in the community and develop key business and community relationships. * Manage the overall operations of the branch and ensure adherence to all Bank Policies. * Back-up tellers and bankers as needed. * 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. Supervisory Responsibilities May have direct or indirect reporting responsibility for multiple staff. Carries out supervisory responsibilities including interviewing, hiring, and training employees; planning, assigning, and directing work; appraising performance; rewarding and disciplining employees; handing complaints and resolving problems. Qualifications 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. Experience and/or Education * Bachelor's Degree in business-related major preferred or equivalent of three (3) years successful sales experience preferably in financial services * Minimum of three (3) to five (5) years in banking or equivalent education * Previous experience as Branch Manager, In-Store Branch Manager or Assistant Branch Manager. Experienced Managers and emerging leaders will both be considered. * Bilingual is a plus Licenses & Designations * NMLS Competencies 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; 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 Strategic Thinking - Understands organization's strengths and weaknesses; analyzes market and competition; identifies externals threats and opportunities; adapts strategy to changing conditions. Quality - Demonstrates accuracy and thoroughness; monitors own work to ensure quality. Delegation - Delegates work assignments; gives authority to work independently; sets expectations and monitors delegated activities; provides recognition for results. Judgment - Displays willingness to make decisions; exhibits sound and accurate judgment; supports and explains reasoning for decisions; includes appropriate people in decision-making process. Makes timely decisions. Visionary Leadership - Inspires respect and trust; mobilizes others to fulfill the vision. Physical Demands and Work Environment Ability to work in an office environment which may include many hours of computer and telephone usage. This position is not remote-eligible. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This position description is not to be construed as an exhaustive statement of duties, responsibilities, or requirements. Employees may be required to perform any other job-related instructions as requested by their supervisor, subject to reasonable accommodations.

Non-Exempt - Grade Level 2 Equal Employment Opportunity Corporate Values & Mission "Provide superior service, quality advice and show our utmost respect to everyone we meet." Provide world class support and service to our banking customers. Treat each customer with respect and courtesy, responsively addressing their service concerns, and recommending ChoiceOne products and services to help them achieve their financial goals. Take ownership of each customer service situation and work to resolve issues, deepening the customer relationship upon a "First Call Resolution" process. Reports To: Customer Service Center Assistant Manager Essential Duties and Responsibilities * Provide friendly, helpful service that promotes financial discipline by: * Preparing for daily interactions with a professional mindset and an organized workstation. * Maintaining knowledge of the bank's products, services, and processes. * Proactively greeting clients with a smile and warm tone. * Understanding the client's objectives by asking appropriate questions and listening to the client's responses. * Recommending the best solution or guiding the client to the appropriate staff to accomplish the client's needs and strengthen their financial well-being. * Processing the transaction accurately and efficiently. * Following up with the clients to ensure satisfaction and provide encouragement. * Proactively displaying teamwork and respect for other team members. * Answer incoming calls quickly and efficiently, escalating issues when appropriate * Take ownership of call and respond with a "First Call Resolution" mindset * Maintain, cross-sell, and refer all ChoiceOne products * Record all client contact, sales, or referrals via Synapsys * Attends department meetings as scheduled. * 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. Qualifications 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. Experience and/or Education * High School Diploma or GED * Minimum of one (1) year of Call Center experience in banking, financial services, or goal-driven retail sales preferred * Bilingual preferred Competencies 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. 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. 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. Ethics - Treats people with respect; keeps commitments; inspires the trust of others; works with integrity and ethically; upholds organizational values. 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. Reliability - is consistently at work and on time; ensures work responsibilities are covered when absent; arrives at meetings and appointments on time; able to provide flexibility and adapt to changing schedules; 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. Physical Demands and Work Environment * Ability to work in an office environment which may include many hours of computer and telephone usage. * This position is not remote-eligible. * Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Exempt - Grade Level 8 Equal Employment Opportunity Corporate Values & Mission "Provide superior service, quality advice, and show utmost respect to everyone we meet." The function of the Financial Advisor is to provide World Class Customer Service by handling transactions accurately and efficiently, be a team player and methodical business builder, and to serve the unique needs of individuals and families. He/she must have exceptional understanding and investment expertise in the full range of wealth management and related products, services, and processes. He/she must be able to operate in an autonomous and entrepreneurial work environment. Reports to: Financial Advisor Team Lead Essential Duties & Responsibilities * Partner closely with Retail Bank Branch Managers and staff and with other business units, department managers and staff by providing education about the benefits of the investment program to ensure multiple quality referrals. * Assist existing clients in the areas of investment management, retirement planning, risk management, income strategies and financial planning. Provide advice to help clients achieve their financial goals and objectives. Review clients' accounts and plans regularly to determine whether life changes, economic changes, or financial performance indicate a need for plan reassessment. * Perform and follow the Bank's policies, procedures, and service standards. * Meet established sales/revenue goals. Collaborating with Commercial Lending and Retail Bank Officers, professional contacts (ie., Attorney and CPAs) to generate additional relationships. * Build and maintain client base, keep current client plans up-to-date and recruit new clients on an ongoing basis to expand AUM. * Interview clients to determine their current income, expenses, insurance coverage, tax status, financial objectives, risk tolerance, and other information needed to develop a financial plan. * Analyze financial information obtained from clients to determine strategies for meeting clients' financial objectives. * Prepare and interpret for clients' information such as investment performance reports, financial document summaries, insurance reviews, retirement projections, and cash flow projections. * Recommend suitable investments, insurance and banking services that are congruent with the financial strategies created. * New business development and marketing - develops leads and referrals from current clients, outside contacts and internal team members. * Participate in sales meetings with prospective and existing clients. * Client service duties - including, but not limited to extensive communication with clients and their advisors regarding investment performance, economic and market trends. * 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 violations or potential violations of those acts to a supervisor or other appropriate bank officer. * Be familiar, and comply with, all federal and state banking regulations as applicable. * Actively participate in education opportunities in the areas of sales, marketing, economics, financial strategy, and insurance, investments, banking, and personal development as required by FINRA, Our Broker, and Insurance Regulations. * Additional responsibilities as assigned. Qualifications 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. Experience and/or Education Bachelor's Degree and/or five or more years of Industry experience Series 7 Series 65 or 66 Life/Accident & Health Insurance License Core Competencies In addition to the Essential Duties & Responsibilities, individuals in this position are expected to exhibit the following: Oral Communication - Speak clearly and persuasively in positive or negative situations; listen and receive clarification; respond well to questions; demonstrate group presentation skills; participate in meetings. Technical Skills - Assess your strengths and weaknesses; pursue training and development opportunities; strive to continuously build knowledge and skills; share expertise with others. Quality - Demonstrate accuracy and thoroughness; monitor work to ensure quality. Quantity - Meet productivity standards; complete work in a timely manner; strive to increase productivity; work quickly and accurately. Adaptability - Adapt to changes in the work environment; manage competing demands; able to deal with frequent change, delays, or unexpected events. Attendance/Punctuality - Follows schedule consistently in a timely manner; limits absenteeism; 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 - Follow instructions; respond to management direction; take responsibility for own actions; keep commitments; commit reaching goals; complete tasks on time or notifies appropriate person with an alternate plan. Initiative - Undertake self-development activities; take independent actions and calculated risks; look for and take advantage of opportunities to help customers and ChoiceOne Bank; ask for and offer help when needed. Physical Demands & Work Environment Ability to work in an office environment which may include many hours of computer and telephone usage. In addition, this position requires many hours of "outside" or non-office activities that will place the employee in a variety of private and public environments. This position is remote-eligible on a hybrid basis. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This position description is not to be construed as an exhaustive statement of duties, responsibilities, or requirements. Employees may be required to perform any other job-related instructions as requested by their supervisor, subject to reasonable accommodations.

Non-Exempt - Grade Level 5 Equal Employment Opportunity Corporate Values & Mission "Provide superior service, quality advice and show our utmost respect to everyone we meet." Acts as the Draw Expert for various functions related to the Construction Draw process and other construction servicing duties. Handles complex draws, loan modifications and loan conversions. Reports To: Secondary Market and Construction Team Lead Essential Duties and Responsibilities * Meets with builders, borrowers, and title companies on the draw process. Maintains up to date Welcome Packet for new construction files. * Confers with customer by telephone in attempt to determine matters related to construction draws, insurance claims, construction loan modifications, construction term outs and general loan servicing matters. * Assists with escalated project conflicts, to include in person meetings with all applicable parties. Works with Department Supervisor to assist in resolution when necessary. * Initiates contact with customers, builders, and title companies for the purpose of maintaining good relations and error resolution. * Expert on construction draw process to include draws, monitoring of construction loan files for percentage of completion, and disbursements. * Identifies loans for conversion of payment schedules to standard P&I payments, processes as necessary. * Reviews final draw process (ex: refund of excess inspection fees and construction funds, final document checklist), processes as necessary with approval. * Assists with hazard and flood insurance claim re-construction processes, including draws, inspections, and disbursements. * Prepares appropriate recalculations for pay-downs and prepare modification recommendations and reviews completed modifications, processes as necessary with approval. * Processes new builder applications. * Maintains Approved Builder List, Self-Built and Denied Builder Lists. * Maintains current knowledge of laws/regulations, policies/procedures which affect job function. * Assists with implementation and changes in technology to improve efficiency and effectiveness of routine jobs. Maintains current knowledge of laws/regulations, policies/procedures which affect job function. * 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 Competencies In addition to the Corporate Core Competencies, individuals in this position are expected to exhibit the following: Written and Oral Communication - Effective written and oral communication skills required, with the ability to interface with Internal and external stakeholders and community partners. Has group presentation skills. Quality - Demonstrates accuracy and thoroughness; monitors own work and the work of others to ensure quality. Quantity - Meets productivity standards; completes work in a timely manner; strives to increase productivity; works quickly. Judgment - Displays willingness to make decisions; exhibits sound and accurate judgment; supports and explains reasoning for decisions; includes appropriate people in decision-making process. Makes timely decisions. 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. Requirements Qualifications 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. Experience and/or Education High School Diploma or Equivalent One to two years related experience and/or training; or equivalent combination Physical Demands and Work Environment Ability to work in an office environment which may include many hours of computer and telephone usage. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This position description is not to be construed as an exhaustive statement of duties, responsibilities, or requirements. Employees may be required to perform any other job-related instructions as requested by their supervisor, subject to reasonable accommodations.

Non-Exempt - Grade Level 4 Equal Employment Opportunity Corporate Values & Mission "Provide superior service, quality advice and show our utmost respect to everyone we meet." Handles various loan servicing processes and functions, including escrow administration, insurance tracking, lien continuations and releases, account reconciliation, and reporting. Handles the more complex customer service issues related to loans. Reports To: Loan Servicing Team Lead Essential Duties and Responsibilities * Oversees the process of maintaining and balancing loan servicing DDA's and GLs, providing administrative assistance to Accounting with transaction research when requested. * Oversees the management of the escrow portfolio, including; monitoring reports for escrow error resolution (ex. large negative escrow balances, escrow accounts with no addenda's, escrow accounts with no annual analysis, etc.), monitoring system generated Excess Escrow Refund Checks, monitoring system generated annual escrow analysis reports, maintaining active Tax Log, and maintenance of Vendor portfolios. * Oversees the escrow disbursement process for all loans, including force place, property taxes, hazard/flood insurance, PMI, and miscellaneous other escrow items. * Oversees all maintenance of escrow accounts, including escrow account recalculations, initiation or cancellation of escrow accounts post close, and escrow counseling with borrowers when necessary. Processes escrow disbursements for all loans, including property taxes, hazard/flood insurance, PMI, and miscellaneous other escrow items. * Oversees all PMI maintenance, including cancellations. Reviews loans for cancellation eligibility and counsels' borrowers on options. Orders appraisals for cancellation recommendations and processes approved cancellations with MI companies, removes PMI from loans. * Oversees the insurance cancellation tracking process, including force placing coverage as needed. * Oversees the lien release process, including removing paid off loans from Tax Service database, removing paid off loans with escrow from Tax Log, filing UCC terminations, preparing vehicle lien releases, preparing and filing mortgage and assignment of leases and rents discharges, issuing payoff refunds. * Prepares and publishes various reports on a regular basis. * Research and resolve complex system processing issues and errors. * Answer requests and inquiries that are received via phone or email from internal and external customers, or third-party vendors and companies. * Processes all loan type post close maintenance, including payment error resolution, auto debit setup and changes, change of address forms, payoff letters, payoff transaction processing, ACH payment requests, system code update requests, and name changes. * Works with third party vendors to identify efficiencies in servicing processes. * 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. Competencies In addition to the Corporate Core Competencies, individuals in this position are expected to exhibit the following: Written and Oral Communication - Effective written and oral communication skills required, with the ability to interface with Internal and external stakeholders and community partners. Has group presentation skills. Quality - Demonstrates accuracy and thoroughness; monitors own work and the work of others to ensure quality. Quantity - Meets productivity standards; completes work in a timely manner; strives to increase productivity; works quickly. Technical Skills - Assesses own strengths and weaknesses; pursues training and development opportunities; strives to continuously build knowledge and skills; shares expertise with others. 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. 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. 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. Requirements Qualifications 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. Experience and/or Education * High School Diploma or GED * Minimum of two (2) years' retail banking experience Physical Demands and Work Environment Ability to work in an office environment which may include many hours of computer and telephone usage. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This position description is not to be construed as an exhaustive statement of duties, responsibilities, or requirements. Employees may be required to perform any other job-related instructions as requested by their supervisor, subject to reasonable accommodations. By signing below, I acknowledge and understand the expectations and requirements of my role and agree to meet these duties to the best of my ability.

Exempt - Grade Level 6 Equal Employment Opportunity Corporate Values & Mission "Provide superior service, quality advice and show utmost respect to everyone we meet." Review and analyze all types of credit and collateral information for diverse types of loans, including ascertaining an appropriate loan rating. Prepare and occasionally present annual loan reviews for approval to various committees. Coordinate and prepare individual authority loan reviews. Review appraisals and complete property evaluations. Prepare and compile various key management reports. Reports To: AVP Loan Review Supervisor Essential Duties and Responsibilities * Evaluate the activities of lending officers, credit, and loan support staff regarding adherence to internal credit and loan policy. * Manage and perform annual credit reviews on commercial loan relationships, to include review of all pertinent credit & financial information, such as credit bureaus, UCC & title searches, various financial statements, the loan files to include both credit & collateral, and provide credit analysis and assign grading to same. * Assess the adequacy adherence to internal credit and loan administration policies and procedures. * Coordinate Appraisal/Environmental Order and Review processes and complete Reviews as assigned and in accordance with guidelines. * Provide special reviews as requested to assess the state of certain loan portfolio segments. * Input financial statement spreads using Flash Spread. * Analyze, interpret or make deductions from factors or circumstances related to the department and role. * Analyze, interpret or make deductions from factors or circumstances related to the essential duties of the position. Qualifications 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. Experience and/or Education * Bachelor's Degree or equivalent * Minimum three (3) of review experience; or equivalent combination of education and experience * Computer knowledge - Windows, Microsoft Office * Working knowledge of Banking Competencies In addition to the Corporate Core Competencies, individuals in this position are expected to have the following skills: 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. Writes clearly and informatively. Analytical - Synthesizes complex and diverse information; collects and researches data; uses intuition and experience to complement data. 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. 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. 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. Judgment - Displays willingness to make decisions; exhibits sound and accurate judgement; supports and explains reasoning for decisions; includes appropriate people in decision-making process. Makes timely decisions. Business Acumen - Understands business implications of decisions; displays orientation to profitability; demonstrates knowledge of market and competition; aligns work with strategic goals. Physical Demands and Work Environment Ability to work in an office environment which may include many hours of computer and telephone usage. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. This position description is not to be construed as an exhaustive statement of duties, responsibilities, or requirements. Employees may be required to perform any other job-related instructions as requested by their supervisor, subject to reasonable accommodation.

About ChoiceOne Bank At ChoiceOne Bank, we offer more than banking jobs - we provide meaningful careers with opportunities to grow and thrive right here in Michigan. As the state's premier community bank with over 125 years of history and 56 locations across West, Central, and Southeast Michigan, we are committed to creating a positive workplace built on respect, integrity, and teamwork. Our employees enjoy competitive benefits, career advancement, professional development programs, and the chance to make an impact in the communities where they live and work. Whether you're starting your career or looking to take the next step, ChoiceOne Bank offers rewarding Michigan banking careers where you can build your skills, achieve work-life balance, and grow your future. Join Our Team at ChoiceOne Bank - Fenton, MI ChoiceOne Bank is hiring Universal Bankers in Fenton, Michigan, with the opportunity to float to nearby branches in Linden, Holly, Grand Blanc, and Brighton! This is a great opportunity to grow your career in banking while delivering exceptional customer service, assisting clients with their financial needs, and recommending products such as checking and savings accounts, consumer loans, and business banking solutions. As a community-focused bank with over 125 years of history and 56 locations across Michigan, we provide the stability of an established company with the support of a local team. At ChoiceOne Bank, you'll enjoy career growth opportunities, professional development, and competitive benefits while making a difference in the communities we serve. If you're looking for a banking career in Fenton, MI-with the flexibility to support nearby branches-we'd love to meet you! Universal Banker Non-Exempt - Grade Level 3 Equal Employment Opportunity Corporate Values & Mission "Provide superior service, quality advice and show our utmost respect to everyone we meet." General Summary Provide exemplary customer service to our clients. Responsible for building relationships by recommending appropriate deposit, loan, and other banking products. When needed, will also process customer transactions to provide excellent customer service. Reports To: Assistant Branch Manager, Branch Manager Essential Duties and Responsibilities * Provide excellent customer service and effectively resolve customer challenges. * Understand and educate customers on consumer deposit and lending products. * Drive sales with a disciplined sales process and use current banking technology to drive both sales and service. * Obtain referrals from customers, other bank colleagues and partners while educating and referring customers to other areas of the bank to deepen relationships and build a strong partnership. * Adhere to all operational, security, risk and regulatory policies and procedures. * Demonstrate good judgement in sales, customer service, relationship management, banking, investments, consumer lending, business banking, business lending, communication and presentation. * Process customer day-to-day transactions as needed. * Opens new personal and business accounts in accordance with bank policies and regulatory requirements. * 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. Qualifications 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. Experience and/or Education * High School Diploma or equivalent * Minimum of six (6) months cash handling experience preferred * One (1) year of customer service in banking, financial services or goal-drive retail sales preferred * Successful completion of ChoiceOne's Retail Advancement Program (RAP) Licenses & Designations * NMLS Competencies Communication - Effective written and oral communication skills required, with the ability to interface with Internal and external stakeholders and community partners. Has group presentation skills. Analytical - Synthesize complex and diverse information; collect and research data; use intuition and experience to complement data. Technical Skills - Assess strengths and weaknesses; pursue training and development opportunities; strive to continuously build knowledge and skills; share expertise with others. Quality - Demonstrates accuracy and thoroughness; monitors own work and the work of others to ensure quality. Quantity - Meet productivity standards; complete work in a timely manner; strive to increase productivity; works quickly and accurately. Dependability - Follows schedule consistently in a timely manner; limits absenteeism; ensures work responsibilities are covered when absent; arrives at meetings and appointments on time. Follows instructions; responds to management direction; takes responsibility for own actions; keeps commitments; completes tasks on time or notifies appropriate person with an alternate plan. Flexibility - able to provide flexibility and adapt to changing schedules and/or work environments. 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. Physical Demands and Work Environment Ability to work in an office environment which may include many hours of computer and telephone usage. This position is not remote-eligible. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This position description is not to be construed as an exhaustive statement of duties, responsibilities, or requirements. Employees may be required to perform any other job-related instructions as requested by their supervisor, subject to reasonable accommodations.

Exempt - Grade Level 8 Equal Employment Opportunity Corporate Values & Mission "Provide superior service, quality advice, and show utmost respect to everyone we meet." The function of the Financial Advisor is to provide World Class Customer Service by handling transactions accurately and efficiently, be a team player and methodical business builder, and to serve the unique needs of individuals and families. He/she must have exceptional understanding and investment expertise in the full range of wealth management and related products, services, and processes. He/she must be able to operate in an autonomous and entrepreneurial work environment. Reports to: Financial Advisor Team Lead Essential Duties & Responsibilities * Partner closely with Retail Bank Branch Managers and staff and with other business units, department managers and staff by providing education about the benefits of the investment program to ensure multiple quality referrals. * Assist existing clients in the areas of investment management, retirement planning, risk management, income strategies and financial planning. Provide advice to help clients achieve their financial goals and objectives. Review clients' accounts and plans regularly to determine whether life changes, economic changes, or financial performance indicate a need for plan reassessment. * Perform and follow the Bank's policies, procedures, and service standards. * Meet established sales/revenue goals. Collaborating with Commercial Lending and Retail Bank Officers, professional contacts (ie., Attorney and CPAs) to generate additional relationships. * Build and maintain client base, keep current client plans up-to-date and recruit new clients on an ongoing basis to expand AUM. * Interview clients to determine their current income, expenses, insurance coverage, tax status, financial objectives, risk tolerance, and other information needed to develop a financial plan. * Analyze financial information obtained from clients to determine strategies for meeting clients' financial objectives. * Prepare and interpret for clients' information such as investment performance reports, financial document summaries, insurance reviews, retirement projections, and cash flow projections. * Recommend suitable investments, insurance and banking services that are congruent with the financial strategies created. * New business development and marketing - develops leads and referrals from current clients, outside contacts and internal team members. * Participate in sales meetings with prospective and existing clients. * Client service duties - including, but not limited to extensive communication with clients and their advisors regarding investment performance, economic and market trends. * 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 violations or potential violations of those acts to a supervisor or other appropriate bank officer. * Be familiar, and comply with, all federal and state banking regulations as applicable. * Actively participate in education opportunities in the areas of sales, marketing, economics, financial strategy, and insurance, investments, banking, and personal development as required by FINRA, Our Broker, and Insurance Regulations. * Additional responsibilities as assigned. Qualifications 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. Experience and/or Education Bachelor's Degree and/or five or more years of Industry experience Series 7 Series 65 or 66 Life/Accident & Health Insurance License Core Competencies In addition to the Essential Duties & Responsibilities, individuals in this position are expected to exhibit the following: Oral Communication - Speak clearly and persuasively in positive or negative situations; listen and receive clarification; respond well to questions; demonstrate group presentation skills; participate in meetings. Technical Skills - Assess your strengths and weaknesses; pursue training and development opportunities; strive to continuously build knowledge and skills; share expertise with others. Quality - Demonstrate accuracy and thoroughness; monitor work to ensure quality. Quantity - Meet productivity standards; complete work in a timely manner; strive to increase productivity; work quickly and accurately. Adaptability - Adapt to changes in the work environment; manage competing demands; able to deal with frequent change, delays, or unexpected events. Attendance/Punctuality - Follows schedule consistently in a timely manner; limits absenteeism; 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 - Follow instructions; respond to management direction; take responsibility for own actions; keep commitments; commit reaching goals; complete tasks on time or notifies appropriate person with an alternate plan. Initiative - Undertake self-development activities; take independent actions and calculated risks; look for and take advantage of opportunities to help customers and ChoiceOne Bank; ask for and offer help when needed. Physical Demands & Work Environment Ability to work in an office environment which may include many hours of computer and telephone usage. In addition, this position requires many hours of "outside" or non-office activities that will place the employee in a variety of private and public environments. This position is remote-eligible on a hybrid basis. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This position description is not to be construed as an exhaustive statement of duties, responsibilities, or requirements. Employees may be required to perform any other job-related instructions as requested by their supervisor, subject to reasonable accommodations.

Senior Commercial Loan Documentation Specialist Non-Exempt - Grade Level 5 Equal Employment Opportunity Corporate Values & Mission "Provide superior service and quality advice and show utmost respect to everyone we meet." Perform a variety of clerical support services, including numerous duties which facilitate and safeguard the lending function. Reports To: Commercial Loan Operations Manager Essential Duties and Responsibilities * Perform due diligence on new and renewed loan requests with focus on larger commercial Loans * Prepare commercial loan documents (including SBA, FmHA, participation, construction, letters of credit, swaps, etc.) with focus on larger loans * Prepare loan extensions and amendments * Meet with customers to close various types of loans. * Complete follow-up to loan terms and conditions post-closing - title policies, mortgage recordings, insurances, etc. * Assist customers with payments, inquiries and loan documentation requests * Assist Loan Officers and others in the department as requested. * Assist supervisor in managing loan pipeline, assigning loans and perform pre-closing documentation reviews to ensure accuracy of documents * Assist in projects on LaserPro, JHA, and other technologies use in commercial loan processing. * Training of new employees on commercial loan documentation * Assist in maintaining procedures * Assist in account monitoring and tracking * 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. Qualifications 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. Experience and/or Education * High School Diploma or Equivalent * Minimum five (5) years Commercial Loan Documentation experience * Knowledge of business entity documents including corporations, LLC's, partnerships, etc. * Ability to maintain a minimum of 20 loans files at a time. * Computer knowledge - Windows, Microsoft Office, Word, Excel, loan origination and documentation platforms, and core banking systems, (basic working knowledge) * General accounting 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 Competencies In addition to the Corporate Core Competencies, individuals in this position are expected to exhibit the following: Communication - Communicates clearly and persuasively in positive or negative situations; listens and gets clarification; responds well to questions; demonstrates group presentation skills; participates in meetings. 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. Judgment - Displays willingness to make decisions; exhibits sound and accurate judgment; supports and explains reasoning for decisions; includes appropriate people in decision-making process. Makes timely decisions 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. Flexibility - able to provide flexibility and adapt to changing schedules. 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. Physical Demands and Work Environment Ability to work in an office environment which may include many hours of computer and telephone usage. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This position description is not to be construed as an exhaustive statement of duties, responsibilities, or requirements. Employees may be required to perform any other job-related instructions as requested by their supervisor, subject to reasonable accommodations.

Exempt - Grade Level 8 Equal Employment Opportunity Corporate Values & Mission "Provide superior service, quality advice and show utmost respect to everyone we meet." 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 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. Qualifications 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. 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 CORE COMPETENCIES In addition to the Corporate Core Competencies, individuals in this position are expected to exhibit the following: 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; 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. Judgment - Displays willingness to make decisions; exhibits sound and accurate judgment; supports and explains reasoning for decisions; includes appropriate people in decision-making process. Makes timely decisions. Quantity - Meets productivity standards; completes work in a timely manner; strives to increase productivity; works quickly. 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. By signing below, I acknowledge and understand the expectations and requirements of my role and agree to meet these duties to the best of my ability. ____________________________________ _____________ Employee Signature Date ____________________________________ Employee Name Printed (please print legibly) ____________________________________ _____________ Supervisor Signature Date ____________________________________ _____________ Human Resources Signature Date

Teller Non-Exempt - Grade Level 1 Equal Employment Opportunity Corporate Values & Mission "Provide superior service, quality advice and show our utmost respect to everyone we meet." The function of a Teller is to play 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 customers to a banker. Reports To: Assistant Branch Manager and Branch Manager Essential Duties and 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 sale/referral goals * Process cash and non-cash bank transactions accurately, efficiently, and with 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 bankers. * Perform other miscellaneous duties, including night deposits, ATM balancing and service, re-ordering and stocking supplies, answering phones, and other duties that may be required from time to time. * 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. Competencies Written and Oral Communication - Effective written and oral communication skills required, with the ability to interface with Internal and external stakeholders and community partners. Has group presentation skills. Technical Skills - Assess your strengths and weaknesses; pursues training and development opportunities; strives to continuously build knowledge and skills; share expertise with others Quality - Demonstrates accuracy and thoroughness; monitors own work and the work of others to ensure quality. Quantity - Meet productivity standards; complete work in a timely manner; strive to increase productivity; work quickly and accurately. Adaptability - Adapts to changes in the work environment; manage competing demands; able to deal with change, delays, or unexpected events. Attendance / Punctuality - Follows schedule consistently in a timely manner; limits absenteeism; ensures work responsibilities are covered when absent; arrives at meetings and appointment on time. Flexibility / Dependability - is able to be flexible and adapt to changing schedules; follows instructions; responds to management direction; takes responsibility for own actions; keeps commitments; commits to reaching goals; completes tasks on times 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. Requirements Qualifications 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. Experience and/or Education * High School or GED * Minimum of 6 months cash handling experience preferred Physical Demands and Work Environment Ability to work in an office environment which may include many hours of computer and telephone usage. This position is not remote-eligible. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This position description is not to be construed as an exhaustive statement of duties, responsibilities, or requirements. Employees may be required to perform any other job-related instructions as requested by their supervisor, subject to reasonable accommodations.

Non-Exempt - Grade Level 5 Equal Employment Opportunity Corporate Values & Mission "Provide superior service, quality advice and show our utmost respect to everyone we meet." Acts as the Draw Expert for various functions related to the Construction Draw process and other construction servicing duties. Handles complex draws, loan modifications and loan conversions. Reports To: Secondary Market and Construction Team Lead Essential Duties and Responsibilities * Meets with builders, borrowers, and title companies on the draw process. Maintains up to date Welcome Packet for new construction files. * Confers with customer by telephone in attempt to determine matters related to construction draws, insurance claims, construction loan modifications, construction term outs and general loan servicing matters. * Assists with escalated project conflicts, to include in person meetings with all applicable parties. Works with Department Supervisor to assist in resolution when necessary. * Initiates contact with customers, builders, and title companies for the purpose of maintaining good relations and error resolution. * Expert on construction draw process to include draws, monitoring of construction loan files for percentage of completion, and disbursements. * Identifies loans for conversion of payment schedules to standard P&I payments, processes as necessary. * Reviews final draw process (ex: refund of excess inspection fees and construction funds, final document checklist), processes as necessary with approval. * Assists with hazard and flood insurance claim re-construction processes, including draws, inspections, and disbursements. * Prepares appropriate recalculations for pay-downs and prepare modification recommendations and reviews completed modifications, processes as necessary with approval. * Processes new builder applications. * Maintains Approved Builder List, Self-Built and Denied Builder Lists. * Maintains current knowledge of laws/regulations, policies/procedures which affect job function. * Assists with implementation and changes in technology to improve efficiency and effectiveness of routine jobs. Maintains current knowledge of laws/regulations, policies/procedures which affect job function. * 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 Competencies In addition to the Corporate Core Competencies, individuals in this position are expected to exhibit the following: Written and Oral Communication - Effective written and oral communication skills required, with the ability to interface with Internal and external stakeholders and community partners. Has group presentation skills. Quality - Demonstrates accuracy and thoroughness; monitors own work and the work of others to ensure quality. Quantity - Meets productivity standards; completes work in a timely manner; strives to increase productivity; works quickly. Judgment - Displays willingness to make decisions; exhibits sound and accurate judgment; supports and explains reasoning for decisions; includes appropriate people in decision-making process. Makes timely decisions. 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. Requirements Qualifications 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. Experience and/or Education High School Diploma or Equivalent One to two years related experience and/or training; or equivalent combination Physical Demands and Work Environment Ability to work in an office environment which may include many hours of computer and telephone usage. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This position description is not to be construed as an exhaustive statement of duties, responsibilities, or requirements. Employees may be required to perform any other job-related instructions as requested by their supervisor, subject to reasonable accommodations.

Non-Exempt - Grade Level 3 Equal Employment Opportunity Corporate Values & Mission "Provide superior service, quality advice and show our utmost respect to everyone we meet." Provide exemplary customer service to our clients. Responsible for building relationships by recommending appropriate deposit, loan, and other banking products. When needed, will also process customer transactions to provide excellent customer service. Reports To: Assistant Branch Manager, Branch Manager Essential Duties and Responsibilities * Provide excellent customer service and effectively resolve customer challenges. * Understand and educate customers on consumer deposit and lending products. * Drive sales with a disciplined sales process and use current banking technology to drive both sales and service. * Obtain referrals from customers, other bank colleagues and partners while educating and referring customers to other areas of the bank to deepen relationships and build a strong partnership. * Adhere to all operational, security, risk and regulatory policies and procedures. * Demonstrate good judgement in sales, customer service, relationship management, banking, investments, consumer lending, business banking, business lending, communication and presentation. * Process customer day-to-day transactions as needed. * Opens new personal and business accounts in accordance with bank policies and regulatory requirements. * 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. Qualifications 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 Requirements Experience and/or Education * High School Diploma or equivalent * Minimum of six (6) months cash handling experience preferred * One (1) year of customer service in banking, financial services or goal-drive retail sales preferred * Successful completion of ChoiceOne's Retail Advancement Program (RAP) Licenses & Designations * NMLS Competencies Communication - Effective written and oral communication skills required, with the ability to interface with Internal and external stakeholders and community partners. Has group presentation skills. Analytical - Synthesize complex and diverse information; collect and research data; use intuition and experience to complement data. Technical Skills - Assess strengths and weaknesses; pursue training and development opportunities; strive to continuously build knowledge and skills; share expertise with others. Quality - Demonstrates accuracy and thoroughness; monitors own work and the work of others to ensure quality. Quantity - Meet productivity standards; complete work in a timely manner; strive to increase productivity; works quickly and accurately. Dependability - Follows schedule consistently in a timely manner; limits absenteeism; ensures work responsibilities are covered when absent; arrives at meetings and appointments on time. Follows instructions; responds to management direction; takes responsibility for own actions; keeps commitments; completes tasks on time or notifies appropriate person with an alternate plan. Flexibility - able to provide flexibility and adapt to changing schedules and/or work environments. 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. Physical Demands and Work Environment Ability to work in an office environment which may include many hours of computer and telephone usage. This position is not remote-eligible. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This position description is not to be construed as an exhaustive statement of duties, responsibilities, or requirements. Employees may be required to perform any other job-related instructions as requested by their supervisor, subject to reasonable accommodations.

Exempt - Grade Level 8 Equal Employment Opportunity Corporate Values & Mission "Provide superior service, quality advice and show utmost respect to everyone we meet." 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 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. Qualifications 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. 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 CORE COMPETENCIES In addition to the Corporate Core Competencies, individuals in this position are expected to exhibit the following: 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; 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. Judgment - Displays willingness to make decisions; exhibits sound and accurate judgment; supports and explains reasoning for decisions; includes appropriate people in decision-making process. Makes timely decisions. Quantity - Meets productivity standards; completes work in a timely manner; strives to increase productivity; works quickly. 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. By signing below, I acknowledge and understand the expectations and requirements of my role and agree to meet these duties to the best of my ability. ____________________________________ _____________ Employee Signature Date ____________________________________ Employee Name Printed (please print legibly) ____________________________________ _____________ Supervisor Signature Date ____________________________________ _____________ Human Resources Signature Date

Non-Exempt - Grade Level 1 Equal Employment Opportunity Corporate Values & Mission "Provide superior service, quality advice and show our utmost respect to everyone we meet." The function of a Teller is to play 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 customers to a banker. Reports To: Assistant Branch Manager and Branch Manager Essential Duties and 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 sale/referral goals * Process cash and non-cash bank transactions accurately, efficiently, and with 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 bankers. * Perform other miscellaneous duties, including night deposits, ATM balancing and service, re-ordering and stocking supplies, answering phones, and other duties that may be required from time to time. * 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. Competencies Written and Oral Communication - Effective written and oral communication skills required, with the ability to interface with Internal and external stakeholders and community partners. Has group presentation skills. Technical Skills - Assess your strengths and weaknesses; pursues training and development opportunities; strives to continuously build knowledge and skills; share expertise with others Quality - Demonstrates accuracy and thoroughness; monitors own work and the work of others to ensure quality. Quantity - Meet productivity standards; complete work in a timely manner; strive to increase productivity; work quickly and accurately. Adaptability - Adapts to changes in the work environment; manage competing demands; able to deal with change, delays, or unexpected events. Attendance / Punctuality - Follows schedule consistently in a timely manner; limits absenteeism; ensures work responsibilities are covered when absent; arrives at meetings and appointment on time. Flexibility / Dependability - is able to be flexible and adapt to changing schedules; follows instructions; responds to management direction; takes responsibility for own actions; keeps commitments; commits to reaching goals; completes tasks on times 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. Requirements Qualifications 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. Experience and/or Education * High School or GED * Minimum of 6 months cash handling experience preferred Physical Demands and Work Environment Ability to work in an office environment which may include many hours of computer and telephone usage. This position is not remote-eligible. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This position description is not to be construed as an exhaustive statement of duties, responsibilities, or requirements. Employees may be required to perform any other job-related instructions as requested by their supervisor, subject to reasonable accommodations.

Job DescriptionDescription: Construction Loan Processor Non-Exempt - Grade Level 5 Equal Employment Opportunity Corporate Values & Mission “Provide superior service, quality advice and show our utmost respect to everyone we meet.” General Summary Acts as the Draw Expert for various functions related to the Construction Draw process and other construction servicing duties. Handles complex draws, loan modifications and loan conversions. Reports To: Secondary Market and Construction Team Lead Essential Duties and Responsibilities Meets with builders, borrowers, and title companies on the draw process. Maintains up to date Welcome Packet for new construction files. Confers with customer by telephone in attempt to determine matters related to construction draws, insurance claims, construction loan modifications, construction term outs and general loan servicing matters. Assists with escalated project conflicts, to include in person meetings with all applicable parties. Works with Department Supervisor to assist in resolution when necessary. Initiates contact with customers, builders, and title companies for the purpose of maintaining good relations and error resolution. Expert on construction draw process to include draws, monitoring of construction loan files for percentage of completion, and disbursements. Identifies loans for conversion of payment schedules to standard P&I payments, processes as necessary. Reviews final draw process (ex: refund of excess inspection fees and construction funds, final document checklist), processes as necessary with approval. Assists with hazard and flood insurance claim re-construction processes, including draws, inspections, and disbursements. Prepares appropriate recalculations for pay-downs and prepare modification recommendations and reviews completed modifications, processes as necessary with approval. Processes new builder applications. Maintains Approved Builder List, Self-Built and Denied Builder Lists. Maintains current knowledge of laws/regulations, policies/procedures which affect job function. Assists with implementation and changes in technology to improve efficiency and effectiveness of routine jobs. Maintains current knowledge of laws/regulations, policies/procedures which affect job function. 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 Competencies In addition to the Corporate Core Competencies, individuals in this position are expected to exhibit the following: Written and Oral Communication - Effective written and oral communication skills required, with the ability to interface with Internal and external stakeholders and community partners. Has group presentation skills. Quality - Demonstrates accuracy and thoroughness; monitors own work and the work of others to ensure quality. Quantity - Meets productivity standards; completes work in a timely manner; strives to increase productivity; works quickly. Judgment - Displays willingness to make decisions; exhibits sound and accurate judgment; supports and explains reasoning for decisions; includes appropriate people in decision-making process. Makes timely decisions. 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. Requirements: Qualifications 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. Experience and/or Education High School Diploma or Equivalent One to two years related experience and/or training; or equivalent combination Physical Demands and Work Environment Ability to work in an office environment which may include many hours of computer and telephone usage. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This position description is not to be construed as an exhaustive statement of duties, responsibilities, or requirements. Employees may be required to perform any other job-related instructions as requested by their supervisor, subject to reasonable accommodations.

Job DescriptionDescription: Commercial Loan Officer Exempt - Grade Level 8 Equal Employment Opportunity Corporate Values & Mission “Provide superior service, 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 Market Manager 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. Qualifications 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. 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 CORE COMPETENCIES In addition to the Corporate Core Competencies, individuals in this position are expected to exhibit the following: 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; 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. Judgment - Displays willingness to make decisions; exhibits sound and accurate judgment; supports and explains reasoning for decisions; includes appropriate people in decision-making process. Makes timely decisions. Quantity - Meets productivity standards; completes work in a timely manner; strives to increase productivity; works quickly. 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. By signing below, I acknowledge and understand the expectations and requirements of my role and agree to meet these duties to the best of my ability. ____________________________________ _____________ Employee Signature Date ____________________________________ Employee Name Printed (please print legibly) ____________________________________ _____________ Supervisor Signature Date ____________________________________ _____________ Human Resources Signature Date Requirements:

Non-Exempt - Grade Level 3 Equal Employment Opportunity Corporate Values & Mission "Provide superior service, quality advice and show our utmost respect to everyone we meet." Provide exemplary customer service to our clients. Responsible for building relationships by recommending appropriate deposit, loan, and other banking products. When needed, will also process customer transactions to provide excellent customer service. Reports To: Assistant Branch Manager, Branch Manager Essential Duties and Responsibilities * Provide excellent customer service and effectively resolve customer challenges. * Understand and educate customers on consumer deposit and lending products. * Drive sales with a disciplined sales process and use current banking technology to drive both sales and service. * Obtain referrals from customers, other bank colleagues and partners while educating and referring customers to other areas of the bank to deepen relationships and build a strong partnership. * Adhere to all operational, security, risk and regulatory policies and procedures. * Demonstrate good judgement in sales, customer service, relationship management, banking, investments, consumer lending, business banking, business lending, communication and presentation. * Process customer day-to-day transactions as needed. * Opens new personal and business accounts in accordance with bank policies and regulatory requirements. * 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. Qualifications 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 Requirements Experience and/or Education * High School Diploma or equivalent * Minimum of six (6) months cash handling experience preferred * One (1) year of customer service in banking, financial services or goal-drive retail sales preferred * Successful completion of ChoiceOne's Retail Advancement Program (RAP) Licenses & Designations * NMLS Competencies Communication - Effective written and oral communication skills required, with the ability to interface with Internal and external stakeholders and community partners. Has group presentation skills. Analytical - Synthesize complex and diverse information; collect and research data; use intuition and experience to complement data. Technical Skills - Assess strengths and weaknesses; pursue training and development opportunities; strive to continuously build knowledge and skills; share expertise with others. Quality - Demonstrates accuracy and thoroughness; monitors own work and the work of others to ensure quality. Quantity - Meet productivity standards; complete work in a timely manner; strive to increase productivity; works quickly and accurately. Dependability - Follows schedule consistently in a timely manner; limits absenteeism; ensures work responsibilities are covered when absent; arrives at meetings and appointments on time. Follows instructions; responds to management direction; takes responsibility for own actions; keeps commitments; completes tasks on time or notifies appropriate person with an alternate plan. Flexibility - able to provide flexibility and adapt to changing schedules and/or work environments. 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. Physical Demands and Work Environment Ability to work in an office environment which may include many hours of computer and telephone usage. This position is not remote-eligible. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This position description is not to be construed as an exhaustive statement of duties, responsibilities, or requirements. Employees may be required to perform any other job-related instructions as requested by their supervisor, subject to reasonable accommodations.