Personal Banker II

Nicolet National Bank•Wausau, WI

7d•Onsite

About The Position

The Personal Banker II will play a key role in driving new customers and business while expanding existing relationships for Nicolet and your branch. You serve as a trusted financial advisor—bringing a more advanced level of expertise, particularly in Home Equity and broader consumer lending—while exemplifying Nicolet’s culture, values, and commitment to an exceptional customer experience. In this elevated role, you engage customers with deeper, consultative conversations to understand their financial goals, recommend sophisticated solutions, and provide comprehensive guidance across deposit, digital, and lending needs. You support and often lead consumer lending activities—including Home Equity products—by gathering and analyzing credit information, structuring applications, preparing files, and guiding customers through approval and closing. As an experienced frontline advisor, you help drive branch growth, manage a more complex customer portfolio, and strengthen long‑term relationships through proactive outreach, targeted financial guidance, and consistent delivery of Nicolet’s service standards.

Requirements

High school diploma or equivalent required
Minimum 2–3 years of banking experience, including personal banking or advanced teller responsibilities.
Prior experience in consumer lending or foundational credit analysis strongly preferred.
Demonstrated ability to meet sales, service, and referral goals.
Strong customer engagement and consultative sales skills, with the ability to lead deeper financial discussions.
Advanced understanding of consumer lending, especially Home Equity lending, credit analysis, and regulatory requirements.
Knowledge of deposit products, digital banking systems, payment solutions, and branch operational processes.
Analytical skills to review credit reports, financial statements, and loan‑related documents.
Proficiency with banking systems/CRMs, loan origination tools, and Microsoft Office.
Strong organization, prioritization, and independent problem‑solving capabilities.
Ability to exemplify Nicolet’s values and deliver exceptional customer experiences.

Nice To Haves

additional education in business or finance preferred.

Responsibilities

Deliver a highly personalized and consultative customer experience across in‑person, phone, and digital channels.
Conduct deeper financial conversations to understand short‑ and long‑term needs and recommend appropriate deposit, lending, and digital solutions.
Serve as a primary point of contact for more complex customer relationships, partnering internally when additional expertise is needed.
Open and service consumer and small‑business (as authorized) accounts; complete account maintenance and ensure accuracy of documentation.
Process deposits, withdrawals, payments, transfers, official checks, and related financial transactions.
Assist with debit/ATM issuance, safe‑deposit access, check orders, foreign currency exchange (as applicable), and digital banking troubleshooting.
Lead or assist in originating consumer loans with emphasis on Home Equity Loans and Home Equity Lines of Credit (HELOCs).
Analyze credit reports, debt‑to‑income ratios, collateral, and applicant financials to inform product recommendations.
Prepare and package loan applications, gather required documentation, and manage the loan process through approval, closing, and file completion.
Stay informed on lending regulations, pricing structures, underwriting standards, and policy changes.
Support credit administration, resolve exceptions, and maintain regulatory compliance for all lending activity.
Identify opportunities to expand relationships through product recommendations, financial education, and proactive outreach.
Use available reports and tools to identify customer needs, product gaps, and targeted calling opportunities.
Contribute to the achievement of business objectives by conducting internal and external sales calls and other business development activities.
Refer customers to internal specialists (mortgage, commercial banking, wealth) to ensure a comprehensive financial experience.
Meet and exceed assigned individual and branch‑level sales, service, and referral goals.
Research and resolve escalated or complex service issues, account discrepancies, loan questions, digital banking problems, and transaction disputes.
Provide clear communication and follow‑through to ensure customer confidence and satisfaction.
Maintain strong operational controls and adhere to Nicolet policies, regulatory requirements, and security protocols.
Support branch operations including teller backup, vault duties, balancing, dual‑control procedures, and audit preparation.
Uphold confidentiality, fraud prevention protocols, and high standards of data integrity.
Collaborate with teammates to support branch goals, participate in daily huddles, and contribute to a positive and inclusive environment.
Represent Nicolet in community events and build relationships that strengthen pipeline development and brand presence.
Provide informal coaching and support for newer employees, especially on lending fundamentals.
Uphold Nicolet’s philosophy and policies by maintaining appropriate controls to ensure full compliance with applicable laws and regulations, thereby fulfilling legal responsibilities and enhancing the quality of services provided by Nicolet.
Understand and communicate the value of diversity within the workplace and to work successfully with others without regard to age, gender, race, sexual orientation, ethnicity, culture, religion, disability status, socioeconomic status or other non-job-related classification, including a commitment to Nicolet’s policies on equal employment opportunities and non-discrimination with a willingness to pursue efforts of inclusion and respect toward different perspectives.
Performs all other duties as assigned.