Loan Officer III Commercial Ag Lender

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.

How to Apply

This position is posted for Atkinson, but the O’Neill location will also be taken into consideration. Qualified candidates are encouraged to complete the online application through Security First Bank’s secure applicant portal by visiting our website and selecting the careers page.

For application assistance or accommodation requests, please contact: 

Security First Bank: 118 E State St, Atkinson, NE 68713 or call 402-925-5200.

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 and Experience

• 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 Affirmative Action and Equal Opportunity Employer, Minority / Female / Disabled / Veteran / Gender Identity / Sexual Orientation.