Loan Officer III Commercial Ag Lender

Loan Officer III Commercial Ag Lender (Finance)

At Security First Bank, we believe strong communities are built through trusted relationships, local commitment, and exceptional service. Since 1898, we have proudly served customers across Nebraska and South Dakota with community banking and insurance solutions designed to help individuals, families, businesses, and agricultural operations succeed.

With locations throughout the region, Security First Bank offers a full range of banking, lending, mortgage, treasury management, and insurance services while maintaining a strong focus on personalized customer care and community involvement.

We are proud to foster a workplace culture centered around teamwork, growth, integrity, and service. Whether serving customers in our branches, supporting operations behind the scenes, or helping communities grow, our employees play an important role in making a difference every day.

Interested in joining our team? Explore career opportunities at:

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.

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.

• 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

Employer paid benefits for full-time status: PTO (vacation and sick pay), Paid Holidays (Federal), Employer Paid: EAP (Employee Assistance Program), Short Term Disability, Long Term Disability, Basic Life and Accidental Death & Dismemberment

• No waiting period for Paid Holidays, Medical, Dental, Vision or EAP
• Medical options (including some employer contributions to provide affordability and value):
• High-Deductible Health Plan (HDHP) with a Health Savings Account (HSA) option
• Preferred Provider Organization (PPO) Plan with a Flexible Spending Account (FSA) option
• Dependent Care Flexible Spending Account
• Dental
• Vision
• Supplemental Voluntary Benefits
• Telehealth
• Access to experts for federal and state benefits, FEDlogic
• Connect with leading experts in cancer research, care, and treatment with Cancer Expert Now Retirement and other benefits – full-time:
• 401(k) Plan with Company Match
• Paid Family Leave program with approved qualifying event.
• Banking products:
  Free Checking, Safe Deposit Box (based on availability), Customer benefits when opening account.

• 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.

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