Personal Banker II

At a Glance

The Personal Banker II position at Nicolet National Bank is designed to drive new customer acquisition and deepen existing relationships. This role requires a high level of expertise in consumer and home equity lending, as well as a strong consultative approach to customer engagement.

Responsibilities

• 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.
• Avoidance of errors and fraud through adherence to security protocols and risk management practices.
• 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.
• 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.
• 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.
• 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.

Requirements

• 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.

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.

Benefits

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

About the Role

Nicolet National Bank is committed to providing a supportive and inclusive work environment where employees can thrive. The Personal Banker II plays a crucial role in driving branch growth, managing a complex customer portfolio, and fostering long-term relationships through proactive outreach and targeted financial guidance.