Loan Administrator Retail I

About Us
Capital Farm Credit is the largest rural lending cooperative in Texas serving 192 counties through nearly 70 credit offices. With over $12 billion in assets and more than 600 team members we provide essential financial services to farmers ranchers rural homeowners and agribusinesses. As part of the nationwide Farm Credit System we are dedicated to supporting rural communities and agriculture.

Why Join Us
We seek motivated individuals who share our core values: commitment trust value and family-like respect. As a customer-owned cooperative we align employee success with member success offering competitive pay growth opportunities and a supportive environment.

Our Benefits:

• Incentive Program: Company-wide goals-based rewards.
• Accrued Time Off: Earn 13 days of annual leave and 15 days of sick leave per year plus enjoy 12 paid holidays annually.
• Retirement: 401(k) with up to 9% employer contribution/match.
• Health Coverage: Affordable medical dental and vision plans.
• Parental Leave: 8 weeks of paid parental leave.
• Life & Disability Insurance: Employer-paid coverage.
• Education & Wellness: Tuition reimbursement and up to $400 for wellness expenses.

At Capital Farm Credit youll find more than a jobyoull find purpose.

LOCATION:

• This position will be located onsite in our Credit Office in New Braunfels Texas.

EDUCATION REQUIREMENT:

• High school diploma or associates degree.

JOB REQUIREMENTS:

• Two (2) years of experience in loan administration office operations or customer service with exposure to financial services mortgage or title insurance industry preferred; or experience deemed equivalent at the discretion of Capital Farm Credit (CFC).

FUNCTIONS:

• Provides excellent customer service on a consistent basis by greeting customers answering phones and customer inquiries and facilitates communications between internal departments and external parties. Works with senior staff to research and resolve issues.
• Under direction and oversight sends the loan application(s) to applicants reviews completed application for accuracy and completeness and communicates with applicants on additional needs. At a basic level develops and organizes loan applicant information.
• Under direction and oversight enters pertinent loan data into loan origination systems including financial information such as balance sheets and other data required. Acquires credit bureau reports and generates credit scores.
• Conducts appropriate searches within various systems as required for borrowing entities. Reviews results to ensure compliance related to entity tax status and OFAC standings. Gains a basic understanding of UCC lien search results and UCC lien status.
• Under guidance drafts and sends communication of initial credit decision to applicants. Assists with communicating additional needs and updates with applicants and members of the loan committee through due diligence process.
• Requests and develops basic knowledge of title commitment and supporting documents from title companies that are relevant to each loan file. Gains an understanding of coordination needed with internal departments for review and approval of necessary documents.
• Through direction and oversight reviews files in loan origination system to help identify errors and ensure accuracy prior to loan committee approval and loan processing requests. Requests final loan committee approvals. Submits loan file to Document Preparation Department.
• With direction and oversight coordinates loan closings; assembles reviews and delivers closing packet for execution; and reviews documentation to ensure proper execution.
• With guidance and oversight onboards new loans from loan origination system into the loan accounting system and disburses loan proceeds; confirms loan was closed in compliance with loan closing instructions; monitors borrower loan conditions and documents the file accordingly. Assists the loan committee by requesting and filing necessary information to satisfy loan covenants and other reporting requirements.
• Develops an understanding of lien perfection through deed of trust and/or UCC filing and maintenance. Establishes and maintains electronic loan files and sends original documents to the Collateral Custodian. Works with internal departments to finalize and certify loans.
• Processes loan payments disbursements and related tasks necessary to service loan portfolio.
• Develops basic knowledge of cooperative structure patronage program and CFC product offerings.
• At a basic level assists with credit servicing actions. With oversight and direction reviews executed servicing action documentation submits revisions to accounting systems and updates electronic file documentation.
• Develops basic knowledge of required procedures policies processes internal controls and regulations with an ability to research and apply.
• Develops foundational knowledge of multiple systems and programs and demonstrates the ability to use CFC programs and systems used in lending and office administration.
• Assists with general office administration and operates a variety of standard office equipment.

PREFERRED SKILLS:

Basic knowledge of:

• Accounting/financial systems.
• Computer systems and office equipment used for file management file classification practices and retrieval of business information.
• Documentation requirements for title insurance deeds of trust UCC financing statements crop insurance and flood insurance.
• Professional oral and written correspondence principles.
• Intermediate skill level in Microsoft Office applications.
• Organization and time management practices.
• Attention to detail.
• Working in a collaborative environment.
• Critical thinking skills.

We are an Equal Employment/Affirmative Action employer. We do not discriminate in hiring on the basis of sex race color religious creed national origin physical or mental disability protected Veteran statusor any other characteristic protected by federal state or local law.
If you need a reasonable accommodation for any part of the employment process please contact us byemail at and let us know the nature of your request and your contactinformation. Requests for accommodation will be considered on a case-by-case basis. Please note thatonly inquiries concerning a request for reasonable accommodation will be responded to from this e-mailaddress.

At the discretion of CFC position may be offered at alternate titles and other business experience may be considered relevant. AA/EOE/M/F/D/V; Full description available on request.

Equal Opportunity Statement
Capital Farm Credit is committed to creating a diverse and inclusive workplace. The position title and requirements may be adjusted based on the candidates experience and qualifications. We welcome applicants of all backgrounds and do not discriminate based on race color gender religion national origin disability veteran status or any other protected status. A full job description is available upon request.