Home Loan Officer

EDUCATION AND EXPERIENCE

Bachelors degree in business administration Finance Agricultural Economics or a related field or equivalent experience and one (1) to three (3) years of experience as a loan officer or loan officer trainee. Will require registration as a Mortgage Loan Officer under the National Mortgage Licensing System.

ESSENTIAL FUNCTIONS

Assists prospective and current borrowers with their residential credit needs and with formulating solutions to credit related issues.
Makes and services residential loans within delegates authority and in accordance with association policies. Makes and/or conveys decisions on loan approval structure and pricing. Responsible for exercising credit risk management responsibilities on loans with area of responsibility.
Collects essential application and financial elements and performs high level review to ensure minimum eligibility and credit standards are met.
Ensures that all assigned loans are properly risk rated for credit quality and collateral risks and assigned the correct performance status.
Complies with credit administration practices as outlines in the associations policies and procedures and understands and accomplishes the regulatory requirements related to residential lending.
Facilities the loan closing process as required in accordance with all applicable association and FCA policies and regulations.
May perform construction inspections in compliance with Association standards and procedures.
May assist with or attend public relations/marketing functions for the Association.
Must obtain and maintain registration as a Mortgage Loan Origination.

REQUIRED SKILLS

• General knowledge of accounting/financial systems.
• Specialized knowledge of accounting/finance principles and residential lending laws and regulations.
• Skill in oral and written communication.
• Basic skill level in Microsoft Office applications.
• Ability to perform basic to intermediate-level accounting/financial analyses under moderate supervision.

COMMUNICATION REQUIREMENTS

This job requires strong verbal and written communication skills and listening skills as well as the ability to read comprehend and write memos e-mails operating manuals and policy directives. The job also requires the ability to provide follow and convey verbal instruction and to provide and receive feedback as appropriate in a respectful business-appropriate manner. The ability to make effective business presentations both written and oral in small and large audiences is required. Courteous and professional conduct is required at all times with a willingness to provide and receive constructive input and working with team members it is required that you foster open lines of communication by conveying pertinent non-privileged industry and company information that is necessary to maximize job performance knowledge and understanding. It is Capital Farm Credits expectation is that open lines of communication are available to benefit job performance and satisfaction. Within your position you are encouraged to effectively utilize communication channels to maximize job performance.

WORKING RELATIONSHIPS

Frequent interaction with customers association departmental staff and management. Occasional interaction with association senior management. Occasional interaction with Farm Credit Bank of Texas and Farm Credit Administration staff. Frequent interaction with area professionals including real estate agents title companies and others who deal with the association in the normal course of business.

DISCLAIMER

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 status or 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 by email at and let us know the nature of your request and your contact information. Requests for accommodation will be considered on a case-by-case basis. Please note that only inquiries concerning a request for reasonable accommodation will be responded to from this e-mail address. For more information view theEEO - Know Your RightsandPay Transparency Statement.