Commercial Banker

Nicolet National Bank•Oshkosh, WI

About The Position

At Nicolet National Bank, the Commercial Banker supports Commercial Banking activities and helps accomplish department goals and objectives. The role develops and maintains secured and unsecured commercial loan accounts that meet lending requirements while promoting profitability and managing risk. It also builds new loan relationships through referrals and individual sales efforts. The Commercial Banker serves customers and prospects seeking loans or lines of credit with varied underwriting risk, makes lending decisions within assigned limits or recommends decisions to the Senior Lending Officer, and manages an ongoing loan portfolio in accordance with approved terms and bank policy. The role analyzes customer financial information, recommends credit structures, and supports closing credit relationships. It also develops business through customer and prospect outreach, cross-selling bank products, participating in community affairs, and providing appropriate business and financial guidance to customers. The position directs and manages administrative staff work activity, stays informed about lending regulations and economic trends, and maintains controls and compliance with applicable laws and regulations. The Commercial Banker is expected to support Nicolet’s values and policies, including equal opportunity, inclusion, and respect for differing perspectives.

Requirements

High school diploma or equivalent; an associate or bachelor’s degree in Finance, Accounting, Business Administration, or a similar field is also listed.
1–3 years of financial industry experience and/or 2–5 years of Commercial Banking experience.
Familiarity with PCs, phone systems, and general office equipment.
Ability to maintain strict confidentiality.
Solid judgment and decision-making skills.
Effective verbal and written communication and strong interpersonal skills, including the ability to write correspondence and reports and explain complex policies and procedures.

Responsibilities

Attend to customer and prospect needs for loans or lines of credit involving varied levels of underwriting risk.
Make loan decisions and set terms within lending limits, or make recommendations to the Senior Lending Officer.
Manage the loan portfolio within approved terms and the bank’s lending policy.
Provide appropriate business management and financial feedback to customers within the scope of expertise.
Develop new business by calling on prospects and customers for commercial loans and cross-selling bank products and services.
Manage an ongoing portfolio, including past dues, collateral exceptions, renewals, overdraft review and account management, and collection activities when necessary.
Collect and analyze customer and prospect financial information, recommend credit structures, and close credit relationships when appropriate.
Participate in community affairs to contribute expertise, understand local business needs, increase the bank’s visibility, and support new business opportunities.
Direct and manage the work activity of administrative staff.
Keep abreast of regulations, policies, procedures, and general economic trends relevant to commercial lending.
Maintain appropriate controls and comply with applicable laws and regulations.
Support workplace diversity, equal employment opportunity, inclusion, and respect for different perspectives.
Perform other duties as assigned.