Commercial Banking Relationship Manager

Nicolet National Bank; Iowa City (IA); On-site; USD 70,000 - 110,000; Full time

Benefits offered by this job

Medical Insurance

Dental Insurance

Vision Insurance

Life Insurance

401(k) Match

Paid Time Off

Paid Holidays

Job summary

Nicolet National Bank in Iowa City is seeking a Commercial Banking Relationship Manager to oversee lending activities, build strong client relationships, and help local businesses grow.

You will analyze credit needs, coordinate SBA/504 loan processes, prepare credits for committee review, and manage a portfolio in compliance with bank policies. A business degree and several years of commercial lending experience are required. This role supports community banking excellence.

Qualifications

• 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.
• Strong analytical and risk assessment abilities.

Responsibilities

• Attend to the needs of customer relationships and prospects seeking loans or lines of credit with appropriate risk underwriting.
• Prepare credits and present at Loan Committee Meetings.
• Assist in 504 & SBA 7(a) loan processes and coordinate with title companies during construction projects.
• Support loan closings and document preparation with Loan Officers and staff.
• Manage portfolio within lending policies and update Asset Quality comments as needed.
• Provide business-focused guidance to clients on financial matters to strengthen relationships.
• Develop new business through referrals and cross-selling of bank products.
• Monitor past-due items, collateral exceptions, renewals, and collection activities when necessary.

Skills

PC

Confidentiality

Decision making

Communication

Education

Bachelor's degree in business administration or finance

Job 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, 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.

As a Commercial Banking Relationship Manager, you will:

• 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.

Qualifications:

• 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.

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.

Benefits:

• Medical, Dental, Vision, & Life Insurance
• 401(k) with a company match
• PTO & 11 1/2 Paid Holidays

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