Home Loan Officer

Capital Farm Credit • La Grange, TX

20h • Onsite

About The Position

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. 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. At Capital Farm Credit, you’ll find more than a job—you’ll find purpose.

Requirements

• Bachelor’s degree in business administration, Finance, Agricultural Economics, or a related field, or equivalent experience
• 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.
• 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.
• 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.
• Ability to provide, follow and convey verbal instruction, and to provide and receive feedback as appropriate in a respectful, business-appropriate manner.
• 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 direction.
• Foster open lines of communication by conveying pertinent non-privileged industry and company information that is necessary to maximize job performance, knowledge and understanding.
• Effectively utilize communication channels to maximize job performance.
• Obtain and maintain registration as a “Mortgage Loan Origination.”

Responsibilities

• 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 association’s 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.”

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.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Number of Employees: 251-500 employees