Commercial Banking Relationship Manager

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, 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 Banking Relationship Manager 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.

• 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…