Loan Officer IV at Security First Bank

Posted in Banking 27 days ago.

Type: Full-Time
Location: Lincoln, Nebraska





Job Description:

Security First Bank is a Nebraska-chartered, privately held community bank with 26 branch locations and 12 insurance offices throughout Nebraska and southwest South Dakota. We provide community banking services from the farm and ranch towns in rural Nebraska to the hub cities of Lincoln and Rapid City. Each branch is managed locally, and our employees are part of the communities we serve. This gives us valuable, local perspective and a personal commitment to servicing your financial needs.
Security First strives to improve the lives of the families and business we serve with creative, high-quality financial services. We believe that attention to detail, flexible and innovative services and remarkable customer care are the pillars of successful community banking, and we’ve been committed to those standards since our founding in 1898.

Apply Today. Grow with us at Security First Bank and find your future in banking. We treat you right.

We are looking for friendly smiling faces to join our loan officer team. To be considered as an applicant please complete the online application form at the Security First Bank web site. For additional information or paper application accommodations please stop by 5505 Red Rock Lane, Lincoln, NE 68516 or call 402-323-8045

Role:

The Loan Officer IV 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 within a designated region 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.

  • Promote 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 related field

  • Eight years to ten years of similar or related experience

  • Knowledge of accounting and financial records

  • Ability to analyze credit factors, including various financial statements and tax returns

Additional lending authorities and scope of duties, such as serving on Senior Lending committee and internal loan review duties may be assigned by the Bank President.

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 word-processing.

  • 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

Employer paid benefits for full time status: PTO (vacation and sick pay), Paid Holidays (Federal), EAP (Employee Assistance Program), Short Term Disability, Long Term Disability, Basic Life and Accidental Death & Dismemberment
 
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
Tele health
 
Retirement and other benefits – full time:
401(k) Plan with Company Match
Benefit Hub-employee discount program
Banking products: Free Checking, Safe Deposit Box (based on availability), Customer benefits when opening account.





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