Loan Officer III

Security First Bank•Overton, NE

About The Position

The Loan Officer III serves customers and prospective customers seeking a range of loans, often involving relatively large amounts. Loan types may include student, home equity, agricultural, commercial, consumer, installment, and mortgage loans. The position operates with substantial credit authority under the guidance of the Branch President and may serve on the Senior Loan Committee and perform internal loan audit functions. The role evaluates borrowers’ financial condition and ability to repay, makes underwriting decisions within approval authority, and completes or directs loan documentation and closings. It also develops lending and deposit business, maintains customer relationships and loan files, monitors portfolio quality, assists with collections, and promotes the bank’s services. Loan decisions and customer support must comply with applicable regulations, policies, and procedures.

Requirements

Bachelor’s degree in Accounting, Business/Ag Management, or a related field.
Five to eight years of similar or related experience.
Knowledge of accounting and financial records.
Ability to analyze credit factors, including financial statements and tax returns.
Good communication skills and the ability to make difficult decisions and communicate them effectively.
Computer skills, including Microsoft Office Suite or similar software.
Ability to work independently and stay motivated.
Ability to manage a heavy workload during peak borrowing times.
Ability to maintain accurate and neat records and files.
A significant level of trust and diplomacy; work involves extensive personal contact and may be personal or sensitive in nature.

Responsibilities

Take applications for commercial and agricultural loan business.
Review customers’ financial conditions and assess their ability to repay loans.
Make underwriting decisions within approval authority.
Complete or direct completion of loan documents and close loans.
Participate in developing lending and deposit business for the bank.
Contact existing clients to expand business and prospective clients to expand the bank’s client base.
Assist with collection of past-due loans.
Monitor the existing loan portfolio to maintain a high-quality asset base.
Maintain up-to-date client files, including current balance sheets, profit and loss statements, cash flow projections, and loan documentation.
May serve on the loan committee.
Promote the bank and make referrals to other departments.
Ensure loan decisions comply with applicable federal and state regulations, lending regulations, policies, and procedures.
Resolve customer and internal inquiries in a timely and accurate manner.
Provide informed, professional, and accurate service and support to customers and associates.
Perform other job-related duties as assigned.