Commercial Banking Relationship Manager

Nicolet National Bank•Iowa City, IA

About The Position

At Nicolet National Bank, the Commercial Banking Relationship Manager administers and supports Commercial Lending activities to achieve commercial banking goals and objectives. The role develops and maintains secured and unsecured commercial loan accounts that meet established lending requirements while supporting profitability and managing risk. It also develops new loan relationships through referrals and individual sales efforts. The Relationship Manager serves customers and prospects seeking loans or lines of credit, performs preliminary credit analysis, prepares credit materials, and makes or recommends lending decisions within applicable limits. The position manages an ongoing loan portfolio, supports loan documentation and closings, assists with SBA and 504 loan processes, and develops customer relationships through business development and cross-selling. It also directs and manages administrative staff and contributes to community engagement, regulatory compliance, and an inclusive workplace. Nicolet National Bank describes its culture as rooted in community banking and customer service, with a commitment to employee growth and development. The bank serves communities in Wisconsin, Michigan, Minnesota, Iowa, and Florida.

Requirements

Bachelor’s degree in business administration or finance.
3–5 years of experience in commercial lending, real estate lending, financial statement analysis, and credit administration.
Knowledge of PCs, phone systems, and general office equipment.
Ability to maintain strict confidentiality.
Solid judgment and decision-making skills.
Effective verbal and written communication skills and interpersonal skills.

Responsibilities

Attend to customer relationships and prospects seeking loans or lines of credit with varied underwriting risk.
Complete preliminary credit analysis and prepare credit reports, short-form approvals, and problem loan reports for the Senior Loan Officer.
Make loan and term decisions within lending limits or make recommendations to Senior Lending Officers.
Prepare credit submissions and present them at Loan Committee Meetings.
Assist with 504 and SBA 7(a) loan processes, including coordinating with the CDC firm and customer, working with title companies on construction projects, and helping the SBA Specialist compile loan packages.
Work with Loan Officers and Administrative Assistants on loan document preparation and loan closings.
Manage the loan portfolio in accordance with approved terms and bank lending policy, updating Asset Quality Report comments as needed.
Provide customers with business management and financial guidance when appropriate and within the role’s expertise.
Develop new business by calling on prospects and customers for commercial loans, emphasizing cross-selling bank products and services to establish complete banking relationships.
Manage ongoing portfolio matters, including past dues, collateral exceptions, renewals, overdraft reviews 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 business community needs, increase the Bank’s visibility, and support new business opportunities.
Direct and manage administrative staff work activity, including staffing, performance appraisals, promotions, salary recommendations, and terminations.
Keep abreast of commercial lending regulations, policies, procedures, and general economic trends.
Maintain appropriate controls and comply with applicable laws and regulations in support of Nicolet’s policies and service quality.
Communicate the value of workplace diversity and work respectfully with others, supporting equal employment opportunity, non-discrimination, inclusion, and respect for differing perspectives.
Perform other duties as assigned.