Loan Officer III

Security First Bank; Atkinson (NE); On-site; USD 70,000 - 90,000; Full time

Benefits offered by this job

Competitive pay

Medical insurance

Dental insurance

Vision insurance

401(k) match

Paid time off

Paid holidays

EAP

Life insurance

Disability insurance

Professional development

Career growth

Job summary

Security First Bank in Atkinson, NE is seeking a Loan Officer III to develop and manage commercial, agricultural, consumer, and mortgage lending relationships. The role covers originating, underwriting, and servicing loans, with emphasis on portfolio quality, business development, and customer growth.

The ideal candidate will have strong credit analysis skills, good judgment, and a commitment to exceptional customer service in a community bank setting.

Qualifications

• Bachelor's degree preferred in a related field.
• 5–8 years of lending or credit analysis experience required.
• Strong knowledge of commercial, agricultural, consumer, and mortgage lending practices.
• Ability to analyze financial statements, tax returns, cash flow, and credit risk.
• Excellent communication, relationship-building, decision-making, and organizational skills.

Responsibilities

• Develop and manage commercial, agricultural, and consumer lending relationships while identifying new business opportunities.
• Analyze credit requests, evaluate financial information, and make underwriting decisions within assigned lending authority.
• Manage and monitor a loan portfolio to maintain asset quality and ensure accurate documentation.
• Support loan collections, portfolio reviews, and regulatory compliance requirements.
• Promote bank products and services, serve as a trusted advisor to customers, and participate in loan committee and related leadership activities as assigned.

Skills

Credit analysis

Communication

Relationship-building

Decision-making

Organizational skills

Lending

Education

Bachelor's degree (business, accounting, agricultural management, or related)

Job description

Job Details Job Location: Atkinson - Atkinson, NE 68713 Position Type: Full-time Education Level: 4 Year Degree Job Shift: Day Job Category: Banking Ready to take the next step in your banking career?

Position Overview

We are seeking an experienced Loan Officer III to develop and manage commercial, agricultural, consumer, and mortgage lending relationships. This role is responsible for originating, underwriting, and servicing loans while supporting portfolio quality, business development, and customer relationship growth. The ideal candidate will possess strong credit analysis skills, sound judgment, and a commitment to exceptional customer service.

Why Security First Bank

At Security First Bank and Security First Insurance, we've been helping individuals, families, businesses, and agricultural operations succeed since 1898. As a locally owned financial services organization, we're committed to building lasting relationships, serving our communities, and investing in our employees.

When you join our team, you’ll become part of an organization that values integrity, teamwork, professional growth, and make a positive impact every day.

Benefits

At Security First, we believe investing in our employees is just as important as investing in our communities. Eligible employees enjoy a competitive benefits package, including:

• Competitive pay
• Medical, dental & vision insurance
• 401(k) with company match
• Paid time off & paid holidays
• Employee assistance program (EAP)
• Life & disability insurance
• Professional development & career growth opportunities

Key Responsibilities

• Develop and manage commercial, agricultural, and consumer lending relationships while identifying new business opportunities.
• Analyze credit requests, evaluate financial information, and make underwriting decisions within assigned lending authority.
• Manage and monitor a loan portfolio to maintain asset quality and ensure accurate documentation.
• Support loan collections, portfolio reviews, and regulatory compliance requirements.
• Promote bank products and services, serve as a trusted advisor to customers, and participate in loan committee and related leadership activities as assigned.

Qualifications

• Bachelor's degree in business, accounting, agricultural management, or a related field preferred.
• Five to eight years of lending, credit analysis, or related banking experience.
• Strong knowledge of commercial, agricultural, consumer, and mortgage lending practices.
• Proven ability to analyze financial statements, tax returns, cash flow, and credit risk.
• Excellent communication, relationship-building, decision-making, and organizational skills.

This Job Description is not a complete statement of all duties and responsibilities comprising this position.

Security First Bank is an Affiliated Action and Equal Opportunity Employer, Minority / Female / Disabled / Veteran / Gender Identity / Sexual Orientation.