Commercial Banker

Nicolet National Bank•Oshkosh, WI

About The Position

At Nicolet National Bank, the Commercial Banker supports Commercial Banking activities and works toward department goals and objectives. The role develops and maintains secured and unsecured commercial loan accounts that meet lending requirements while balancing profitability and risk, and builds new loan relationships through referrals and individual sales efforts. The Commercial Banker serves customers and prospects seeking loans or lines of credit, makes lending decisions within authorized 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 also develops business relationships, analyzes customer financial information, supports customers with relevant business and financial guidance, participates in community affairs, and directs the work activity of administrative staff. The position requires maintaining awareness of lending regulations, policies, procedures, and economic trends; ensuring compliance with applicable laws and regulations; protecting confidential information; and supporting a respectful, inclusive workplace. Other duties may be assigned. Nicolet National Bank describes its culture as centered on community banking, customer service, and investment in employee growth and development.

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 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

Serve customers and prospects seeking commercial loans or lines of credit with varying levels of underwriting risk.
Make loan and loan-term decisions within lending limits, or make recommendations to the Senior Lending Officer.
Manage the loan portfolio in accordance with 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, emphasizing cross-selling bank products and services to build complete banking relationships.
Manage ongoing portfolio matters, including past-due accounts, collateral exceptions, renewals, reviews, overdraft account management, and collection activities when necessary.
Collect and analyze information about customers’ and prospects’ financial positions, recommend credit structures, and, when appropriate, close credit relationships.
Participate in community affairs to contribute expertise, understand business community 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.
Communicate and support the value of workplace diversity, equal opportunity, nondiscrimination, inclusion, and respect for different perspectives.
Perform other duties as assigned.