Commercial Banking & Loan Relationship Lead

Nicolet National Bank; Saint Paul (MN); On-site; USD 125,000 - 230,000; Full time

Benefits offered by this job

Health benefits

401(k) with company match

Paid holidays

Job summary

Nicolet National Bank in Saint Paul, MN seeks a Commercial Banker to manage and grow commercial loan portfolios, including secured and unsecured lending, and to build new relationships through referrals and direct outreach.

The role emphasizes risk-aware underwriting, adherence to lending policies, and cross-selling bank products to deliver comprehensive banking solutions while maintaining strict confidentiality and high professional standards.

Qualifications

• High School Diploma or Equivalent/ Associate or Bachelor Degree in Finance, Accounting, Business Administration or similar.
• 1-3 years of financial industry experience / 2-5 years Commercial Banking experience.
• PC, phone system, general office equipment.
• Ability to maintain strict confidentiality.
• Solid judgment and decision-making skills.
• Effective verbal and written communication skills and strong interpersonal skills, specifically, the ability to effectively write a variety of correspondence and reports and to explain complex policies and procedures.

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.
• Make decisions on loans and terms within lending limits or make recommendations to the Senior Lending Officer.
• Manage portfolio within the terms approved and in conformity with bank's lending policy.
• Provide feedback to customers 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.
• Manage an on-going portfolio including past dues, collateral exceptions, renewals, review and account management of overdrafts and collection activities.
• 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 closing the credit relationship.
• Participate in community affairs to contribute expertise and increase the Bank's visibility.
• Directs and manages work activity of administrative staff.
• Keep abreast of new regulations, policies, and procedures relative to commercial lending and general economic trends.
• Uphold Nicolet's philosophy and policies with compliance and ethical standards.

Skills

Financial industry experience

Commercial banking experience

Confidentiality

Decision making

Verbal and written communication

Interpersonal skills

PC/Office equipment

Education

High School Diploma or GED

Associate or Bachelor Degree in Finance/Accounting/Business Administration

Tools

PC

Phone system

General office equipment

Job description

Nicolet National Bank in Saint Paul, MN seeks a Commercial Banker to manage and grow commercial loan portfolios, including secured and unsecured lending, and to build new relationships through referrals and direct outreach.

The role emphasizes risk-aware underwriting, adherence to lending policies, and cross-selling bank products to deliver comprehensive banking solutions while maintaining strict confidentiality and high professional standards.