Commercial Banking Relationship Manager at Nicolet National Bank

Dubuque, Iowa, United States -

Full Time

Start Date

Immediate

Expiry Date

03 Aug, 26

Salary

0.0

Posted On

05 May, 26

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Commercial Lending, Credit Analysis, Financial Statement Analysis, Portfolio Management, Risk Underwriting, SBA 7(a) Loans, 504 Loans, Cross-selling, Credit Administration, Relationship Management, Business Development, Compliance

Industry

Banking

Description

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, 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. POSITION SUMMARY: This position is responsible for administering and supporting the activities in Commercial Lending to accomplish commercial banking goals and objectives. 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. Develops new loan relationships through referral and individual efforts in sales. ESSENTIAL DUTIES AND 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. Complete preliminary credit analysis on prospects/customers, prepare credit reports, short-form approvals, and problem loan reports for Senior Loan Officer. Make decisions on loans and terms within lending limits or makes recommendations to the Senior Lending Officers. * Prepare credits and present at Loan Committee Meetings. * Assist in 504 & SBA 7(a) loan process (including being a contact for the CDC firm and customer for items needed, work with title company during construction projects, assist SBA Specialist in compiling loan package, etc.). * Work with Loan Officers and Administrative Assistants on loan document preparation and loan closings. * Manage portfolio within the terms approved and in conformity with bank’s lending policy, updating comments on Asset Quality Report as needed. * 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, which includes staffing, performance appraisals, promotions, salary recommendations and terminations. * Keep abreast of new regulations, policies, and procedures relative to commercial lending and general economic trends. * 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. SUPERVISORY RESPONSIBILITES: N/A KNOWLEDGE, SKILLS, AND ABILITIES: * PC, phone system, general office equipment. * Ability to maintain strict confidentiality. * Solid judgment and decision-making skills. * Effective verbal and written communication skills and interpersonal skills. EDUCATION AND EXPERIENCE: * 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. BENEFITS: * Medical, Dental, Vision, & Life Insurance * 401(k) with a company match * PT0 & 11 1/2 Paid Holidays PHYSICAL DEMANDS: In compliance with the ADA, performance of this job requires certain physical demands. These demands are as follows but not limited to the ability to sit, stand and walk often throughout the day, constantly be able to operate with their hands and arms, occasionally ascend/descend flights of stairs, position themselves frequently throughout the day, communicate with other employees, able to examine their work and regularly lift and/or move up to 10 pounds while occasionally lift and/or move up to 25 pounds. These physical demands must be met by an employee to be successful and perform at full potential, but reasonable accommodations may be made to enable individuals with disabilities to perform the essential job functions. The above statements are intended to describe the general nature and level of work being performed. They are not intended to be construed as an exhaustive list of all responsibilities and skills required for the position. Equal Opportunity Employer/Veterans/Disabled

Responsibilities

Responsible for developing and maintaining a portfolio of commercial loan accounts while minimizing risk and maximizing profitability. This includes performing credit analysis, managing loan closings, and cross-selling bank products to new and existing customers.