VP- Loan Officer

Nebraska State Bank is a locally owned community bank dedicated to serving the financial needs of individuals, families, farmers, and small businesses. Our aim is strong relationships, personalized service, and supporting the communities we call home.

We are seeking a motivated and relationship-focused Loan Officer to join our team. This individual will be responsible for developing, evaluating, and managing a diverse loan portfolio, with an emphasis on agricultural, commercial, and consumer lending.

The ideal candidate values community involvement, understands rural economic cycles, and is committed to providing exceptional customer service.

Key Responsibilities

• Develop and maintain relationships with new and existing customers
• Originate, underwrite, and close:
• Agricultural loans
• Commercial loans
• Consumer loans
• Analyze financial statements, credit reports, and collateral
• Monitor loan portfolio performance and manage risk
• Work closely with customers to understand their financial needs and goals
• Ensure compliance with bank policies and regulatory requirements
• Participate in community events and local organizations to support business development

Preferred Qualifications and Experience

• Bachelor’s degree in Finance, Business, Ag Economics, or related field (or equivalent experience)
• Experience in agricultural or commercial lending preferred
• Strong understanding of financial analysis and credit underwriting
• Knowledge of local farming and rural business operations is a plus
• Excellent communication and relationship-building skills
• Ability to work independently and as part of a team

Qualities

• Relationship-driven and community-minded
• Strong attention to detail and sound judgment
• Problem-solving mindset
• High integrity and professionalism
• Adaptability to seasonal and cyclical lending demands

Benefits

• Competitive salary based on experience
• Performance-based incentives/bonus opportunities
• Health, dental, and vision insurance
• Retirement plan with employer contribution
• Paid time off and holidays
• Ongoing training and professional development