Tina Neis

Senior Vice President, Chief Credit Officer at Waukesha State Bank

Waukesha, Wisconsin, United States

About

With over 25 years in the banking industry, I’ve built my career from the ground up, starting as an SBA processor and working through roles in commercial processing, credit analysis, commercial lending, credit administration, and risk management. This foundation gave me a deep appreciation for every layer of the credit process and shaped my approach to leadership today. I lead a team focused on high-quality underwriting, portfolio management, and risk mitigation. This allows me to strengthen collaboration between credit and lending teams, enhance efficiency, and mentor analysts to think critically and strategically. Today, I serve as Chief Credit Officer, where I oversee credit policy, risk governance, and portfolio strategy across commercial, retail, and mortgage segments. I’m passionate about building strong, sustainable credit cultures that support both growth and long-term stability. Whether setting institution-wide credit guidelines or working with my teams through complex credit decisions, I lead with integrity, clarity, consistency and a commitment to providing a quick decision and positive customer experience.

Experience

  • Waukesha State Bank (Personal & Business Banking, Commercial & Mortgage Loans, Payroll Services) (26 yrs 7 mos)
    • Senior Vice President - Chief Credit Officer
      Aug 2023 - Present · 2 yrs 11 mos

    • Senior Vice President - Commercial Credit Manager
      Dec 1999 - Aug 2023 · 23 yrs 9 mos

      Waukesha State Bank is a Community Bank servicing the financial needs of businesses and individuals of Waukesha County since 1944. Being locally owned and operated means that 100% of our decisions are made right here in the community - and fast. Our mission to "Serve the Community" includes providing complete financial services for local small businesses and individuals. We also are a strong supporter of churches and non-profit organizations throughout the county. Whether you are a start-up business, a growing small business, or a mid-market business, we have the expertise and products that are tailor-made for your needs. Serving Waukesha County and surrounding area, with offices in Brookfield, Delafield, Mukwonago, Muskego, New Berlin, Oconomowoc, Sussex, two Pewaukee offices, and five Waukesha offices.