Loan Officer III

Security First Bank; Overton (NE); On-site; USD 65,000 - 100,000; Full time

Job summary

Security First Bank is seeking an experienced Loan Officer III to manage commercial loan applications and underwriting decisions. The role requires evaluating customer financials, closing loans, and maintaining robust client relationships to grow lending and deposits.

The position involves senior lending duties, potential committee work, and adherence to regulatory policies. A strong background in credit analysis and a related degree is essential for success.

Qualifications

• Bachelor's degree in Accounting, Business/Adm Management or related field.
• 5–8 years of similar or related experience.
• Ability to analyze credit factors, including various financial statements and tax returns.
• Strong communication and interpersonal skills; accurate record keeping.

Responsibilities

• Takes applications for commercial/ag loan business.
• Reviews customer financial condition and assesses repayment ability.
• Makes underwriting decisions within approval authority.
• Completes loan documents and closes loans.
• Calls on clients to expand existing business and seeks new opportunities.
• Assists in collection of past-due loans.
• Monitors loan portfolio to maintain high-quality assets.
• May serve on loan committee and provide referrals to other departments.
• Performs other job-related duties as assigned.

Skills

Credit analysis

Interpersonal skills

Communication

Financial statements

Microsoft Office

Record keeping

Self-directed

Education

Bachelor's degree in Accounting/Business/Management

Tools

Microsoft Office Suite

Job description

Role:The Loan Officer III provides services to customers and prospective customers seeking all types of loans, often dealing in relatively large loans. Types of loans serviced include a combination of any of the following: student, home equity, agricultural, as well as commercial, consumer, installment and mortgage. Operates with substantial credit authority under the guidance of the Branch President. Can serve in the capacity of Senior Loan committee and internal loan audit functions.Essential Functions & Responsibilities:Takes applications for commercial/ag loan business. Reviews customer financial condition and assesses the customer's liability to re-pay the loan. Makes underwriting decisions within approval authority. Completes or directs completion of all loan documents and closes loans.Participates in developing lending and deposit business for the bank. Calls on clients to expand existing business; calls on prospects seeking opportunities to expand the bank's client base.Assists in collection of past due loans.Monitors existing loan portfolio to maintain a high-quality asset base. Maintains up-to-date client files including current balance sheets, profit & loss statements, cash flow projections and all loan documentation.May serve on loan committee.Promotes the bank and make referrals to other departments.Performs other job-related duties as assigned.Performance Management:Ensure loan decisions are in compliance with all applicable Federal, State, and Lending regulations, policies and procedures.Troubleshoot and resolve customer and internal inquiries in a timely and accurate manner.Provide informed, professional, and accurate service and support to all customers and associates.Knowledge, Skills and Abilities:Education and/or Experience.Bachelor's Degree in Accounting, Business/Ag Management or related field.Five to eight years of similar or related experience.Knowledge of accounting and financial records.Ability to analyze credit factors, including various financial statements and tax returns.Lending authorities and scope of duties determines the officer title. Such as serving on Senior Lending committee and internal loan auditor duties.Interpersonal Skills.A significant level of trust and diplomacy is required, in addition to normal courtesy and tact.Work involves extensive personal contact with others and is usually of a personal or sensitive nature.Good communication skills.Ability to make difficult decisions and communicate such decisions well.Computer operations, including Microsoft Office Suite products or similar software.Be self-directed and motivated. Ability to manage heavy workload during peak borrowing times.Ability to keep accurate and neat records and files.Certificates, Licenses, Registrations: None.Physical Demands:The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.While performing this job the employee would occasionally be required to carry loads up to and including 24lbs. It is frequently necessary to bend, squat, reach above the shoulder level, crouch, kneel, balance and push/pull equipment. Firm grasping/fine manipulation with the right/left hand is necessary. In an 8-hour day, the employee can expect to sit about 6 hours.Work Environment:The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually quiet.This Job Description is not a complete statement of all duties and responsibilities comprising this position.Security First Bank is an Affirmative Action and Equal Opportunity Employer, Minority / Female / Disabled / Veteran / Gender Identity / Sexual Orientation.