Nick Skibba

Nick Skibba currently serves as the Chief Lending Officer at Citizens State Bank of La Crosse, where he plays a pivotal role in shaping the bank’s lending strategy and ensuring the continued growth of its commercial and small business banking portfolio. In this leadership position, Nick oversees all aspects of loan administration, credit monitoring, underwriting, and collections, leveraging his extensive background in business banking to mitigate risk and optimize loan performance. His expertise in financial analysis and cash flow assessment allows him to structure high-value loans that are both profitable for the bank and tailored to meet clients’ unique needs.

A key focus for Nick is maintaining strong relationships with key clients and community partners, fostering trust and long-term collaboration. He actively collaborates with credit analysts to ensure that each business loan application is thoroughly underwritten, appropriately risk-rated, and competitively priced. Additionally, Nick dedicates time to mentoring the bank’s Business Banking team, providing professional development opportunities that enhance their credit skills, customer service capabilities, and understanding of commercial lending best practices. His leadership ensures that the bank’s lending practices align with industry standards and regulatory requirements, while also supporting the bank’s strategic growth initiatives.

Serving on the Senior Leadership team, Nick contributes to broader organizational decisions, including product development, risk management, and community engagement. His comprehensive knowledge of small business lending, combined with proficiency in Excel and Word for financial analysis and reporting, makes him a vital asset in driving Citizens State Bank’s mission to deliver exceptional financial solutions and foster economic development within the La Crosse community.