Personal Banker II - MN

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, Colorado, 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 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.

• 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…