Personal Banker II

Nicolet National Bank; St. Croix Falls (WI); On-site; USD 37,000 - 41,000; Full time

Benefits offered by this job

401(k) match

PTO & 11.5 Paid Holidays

Job summary

Nicolet National Bank is seeking a Personal Banker II to drive new customer growth and deepen relationships across deposit, digital, and lending services. You will serve as a trusted advisor with advanced knowledge in home equity lending and consumer products.

The role emphasizes consultative conversations, portfolio growth, and collaboration with internal specialists to provide a full financial experience for customers in Wisconsin.

Qualifications

• High school diploma or equivalent required; additional finance coursework preferred.
• Minimum 2–3 years of banking experience in personal banking or teller duties.
• Experience with consumer lending and credit analysis is strongly preferred.
• Proven ability to meet sales, service, and referral goals.
• Strong customer engagement and consultative selling skills.

Responsibilities

• Deliver a highly personalized and consultative customer experience across in‑person, phone, and digital channels.
• Conduct deeper financial conversations to understand needs and recommend deposit, lending, and digital solutions.
• Lead or assist in originating consumer loans with emphasis on Home Equity products; analyze credit and prepare applications.
• Open and service accounts; process deposits, withdrawals, transfers, and payments.
• Maintain regulatory compliance and uphold Nicolet policies; support branch operations.

Skills

Advanced Customer Experience

Consultative Sales

Credit Analysis

Regulatory Compliance

Microsoft Office

CRM systems

Education

High school diploma or equivalent

Tools

Banking CRM/Loan origination tools

Microsoft Office

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 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.

As a Personal Banker II, you will:

• Advanced Customer Experience & Advisory Engagement:
• 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.

Account Opening, Servicing & Transaction Support:

• 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.

Home Equity & Advanced Consumer Lending:

• 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.

Problem Resolution & Case Management:

• Research and resolve escalated or complex service issues, account discrepancies, loan questions, digital banking problems, and transaction disputes.
• Provide clear communication and follow‑through to ensure customer confidence and satisfaction.
• Maintain strong operational controls and adhere to Nicolet policies, regulatory requirements, and security protocols.
• Support branch operations including teller backup, vault duties, balancing, dual‑control procedures, and audit preparation.
• Uphold confidentiality, fraud prevention protocols, and high standards of data integrity.

Team Collaboration & Community Engagement:

• Collaborate with teammates to support branch goals, participate in daily huddles, and contribute to a positive and inclusive environment.
• Represent Nicolet in community events and build relationships that strengthen pipeline development and brand presence.
• Provide informal coaching and support for newer employees, especially on lending fundamentals.

General:

• 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:

• High school diploma or equivalent required; additional education in business or finance preferred.
• Minimum 2–3 years of banking experience, including personal banking or advanced teller responsibilities.
• Prior experience in consumer lending or foundational credit analysis strongly preferred.
• Demonstrated ability to meet sales, service, and referral goals.
• Strong customer engagement and consultative sales skills, with the ability to lead deeper financial discussions.
• Advanced understanding of consumer lending, especially Home Equity lending, credit analysis, and regulatory requirements.
• Knowledge of deposit products, digital banking systems, payment solutions, and branch operational processes.
• Analytical skills to review credit reports, financial statements, and loan‑related documents.
• Proficiency with banking systems/CRMs, loan origination tools, and Microsoft Office.
• Strong organization, prioritization, and independent problem‑solving capabilities.
• Ability to exemplify Nicolet’s values and deliver exceptional customer experiences.
• 401(k) with a company match
• PTO & 11 1/2 Paid Holidays

Pay Range:

$27-30/hr. depending on experience

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