Personal Banker II: Home Equity & Advanced Lending

Nicolet Bank; St. Croix Falls (WI); On-site; USD 37,195,000 - 41,328,000; Full time

Benefits offered by this job

401(k) with a company match

PTO & 11 1/2 Paid Holidays

Job summary

Nicolet National Bank in Wisconsin is seeking a Personal Banker II to drive new customer acquisition and deepen existing relationships, with a focus on Home Equity and broader consumer lending. You will provide expert financial guidance and deliver a highly personalized, consultative experience across in-person, phone, and digital channels.

In this elevated role you will open and service accounts, process deposits and transfers, help customers with debit/ATM access, and support digital banking

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.

Responsibilities

• Open and service consumer and small-business accounts; complete account maintenance and ensure accuracy of documentation.
• Process deposits, withdrawals, payments, transfers, official checks, and related financial transactions.
• Lead or assist in originating consumer loans with emphasis on Home Equity lending.
• 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 to ensure a comprehensive financial experience.
• Meet and exceed assigned individual and branch-level sales, service, and referral goals.

Skills

Customer engagement

Consultative sales

Lending knowledge

Education

High School Diploma

Finance coursework

Tools

Banking systems/CRMs

Loan origination tools

Microsoft Office

Job description

Nicolet National Bank in Wisconsin is seeking a Personal Banker II to drive new customer acquisition and deepen existing relationships, with a focus on Home Equity and broader consumer lending. You will provide expert financial guidance and deliver a highly personalized, consultative experience across in-person, phone, and digital channels.

In this elevated role you will open and service accounts, process deposits and transfers, help customers with debit/ATM access, and support digital banking