Commercial Banker

Nicolet National Bank•West Des Moines, IA

About The Position

At Nicolet National Bank, our culture is based on the principles of community banking, putting the needs of our customers at the forefront of our decision-making. Our Core Values drive everything we do, and we are committed to serving our customers with excellence. We believe that every job in our organization is critical to our success, and we are dedicated to creating a work environment where our employees feel valued, respected, and supported. With locations in Wisconsin, Michigan, Minnesota, Iowa, Colorado, and Florida we are proud to service our local communities and make a positive impact on the lives of our customers. At Nicolet National Bank, we believe that our people are our most valuable asset, and we are committed to investing in their growth and development. The Commercial Banker is responsible for administering and supporting the activities in Commercial Banking to accomplish department goals and objectives. This position is responsible for developing and maintaining a variety of commercial loan accounts (secured and unsecured) that meets established lending requirements and provide maximum profitability to the bank at minimum risk. They will also develop new loan relationships through referral and individual efforts in sales.

Requirements

High School Diploma or Equivalent/ Associate or Bachelor Degree in Finance, Accounting, Business Administration or similar
1-3 years of financial industry experience / 2-5 years Commercial Banking experience

Responsibilities

Attend to the needs of customer relationships and prospects seeking loans or lines of credit on terms that involve a varied amount of risk underwriting.
Make decisions on loans and terms within lending limits or makes recommendations to the Senior Lending Officer.
Manage portfolio within the terms approved and in conformity with bank’s lending policy.
Provide feedback to customers, where appropriate and within scope of expertise, concerning business management and financial matters to add value to relationships between the customer and bank.
Develop new business by calling on prospects and customers for commercial loans with an emphasis on cross-selling bank products and services to establish a complete banking relationship between the customer and bank.
Manage an on-going portfolio including but not limited to past dues, collateral exceptions, renewals, review and account management of overdrafts and collection activities, if necessary.
Collect and analyze information that reflects the current financial position of customers and prospects with which analysis leads to a recommendation of credit structure and if appropriate closing the credit relationship.
Participate in community affairs to contribute expertise, better understand the needs of the business community, increase the Bank’s visibility and to enhance new business opportunities.
Directs and manages work activity of administrative staff.
Keep abreast of new regulations, policies and procedures relative to commercial lending and general economic trends.