Stephen Grey
Ada,MI
Overview
22
22
years of professional experience
Work History
Senior Vice President, Chief Credit Officer
Grand River Bank
Grand Rapids, MI
01.2025 - Current
- Oversee all aspects of bank-wide credit risk management and loan policy
- Direct reports include credit analysts, documentation specialists, portfolio managers, and loan assistants
- Mentored credit department staff, fostering professional development and improving team productivity
- Administrator of nCino Commercial LOS, leading renewed implementation that included a new credit process, workflows, and portfolio monitoring functions
- Designed and implemented new strategies to streamline due diligence process and procedures, loan operations, and loan review functions
Vice President, Commercial Relationship Manager
Grand River Bank
01.2016 - Current
- Serving the core financial needs of business banking clients, building lasting relationships with superior customer satisfaction
- Manage a portfolio of small businesses and non-profits with annual revenues ranging from $1-$50 million
- Develop and maintain professional relationships with CPA's, financial planning professionals, business and real estate brokers, and professional organizations
- Cultivated new relationships, building a portfolio of commercial business clients to over $80 million in average outstanding loan balances
- Lead the delivery of all banking services and products including retail, mortgage, and treasury management to meet all of the financial needs of the business partners and built complete banking relationships
- Served as Market Manager in the development of a new full-service banking office providing services to Ada/Cascade including marketing activities, community event planning and participation, and hiring and development of staff
Assistant Vice President, Commercial Relationship Manager
Old National Bank (f/k/a Founders Bank & Trust)
01.2013 - 01.2016
- Built a new portfolio of commercial banking relationships through active calling, networking, and prior client referrals
- Led customers through a bank merger and banking platform conversion successfully maintaining lasting relationships
- Actively cross-sell and refer products and services across all business lines including mortgage, consumer, retail, and investments
Assistant Vice President, Credit Manager / Commercial Lender
ChoiceOne Bank
01.2004 - 01.2013
- Responsible for the development of the Commercial Credit department including hiring, training, and development of staff, writing and implementation of policies and procedures, and maintaining numerous department software applications
- Project Manager of an enterprise-wide CRM and credit underwriting solution, transforming and modernizing the bank's commercial lending platform
- Managed a portfolio of over 100 small business clients within a wide range of industries
- Regularly led communication with State and Federal examiners, the Board of Director's, auditors, and department heads throughout the bank
Education
Bachelor of Science - Economics
Calvin College
Grand Rapids, MI05-2004
Timeline
Senior Vice President, Chief Credit Officer
Grand River Bank
01.2025 - Current
Vice President, Commercial Relationship Manager
Grand River Bank
01.2016 - Current
Assistant Vice President, Commercial Relationship Manager
Old National Bank (f/k/a Founders Bank & Trust)
01.2013 - 01.2016
Assistant Vice President, Credit Manager / Commercial Lender
ChoiceOne Bank
01.2004 - 01.2013
Bachelor of Science - Economics
Calvin College