Personal Banker II - Bilingual

At a Glance

The Personal Banker II position at Nicolet National Bank is designed for individuals who can provide advanced customer service, manage complex loan applications, and foster long-term relationships with clients. This role requires a deep understanding of consumer lending, particularly in Home Equity products.

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 in account maintenance and ensuring accuracy of documentation.
• Assist with debit/ATM issuance, safe-deposit access, check orders, foreign currency exchange (as applicable), and digital banking troubleshooting.
• 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.
• 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.
• 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.
• 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.

Qualifications

• A 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 dedicated to providing exceptional customer service and fostering long-term relationships. The Personal Banker II plays a crucial role in driving new customers and business while expanding existing relationships. This role requires a deep understanding of consumer lending, particularly in Home Equity products, and the ability to provide advanced customer service and manage complex loan applications.