Home Loan Officer

<strong>Capital Farm Credit is a great place to work. Our employees are passionate and committed to serving both rural Texas and each other. We seek highly motivated and engaged people who foster the core values behind who we are, how we work and how we treat others &ndash; with commitment, trust and value.</strong>

Lubbock, TX

Capital Farm Credit

<p><strong>For more than 100 years, Capital Farm Credit has supported rural communities and agriculture with reliable, consistent credit and financial services. Capital Farm Credit is a proud member of the Farm Credit system and serves more than 23,000 members, with loans outstanding totaling more than $11 billion. Headquartered in Bryan, Texas, Capital Farm Credit has offices serving 192 of Texas&rsquo; 254 counties.</strong></p> <strong>For more information about its financial services, cooperative returns program and office locations, visit CapitalFarmCredit.com.</strong> https://www.capitalfarmcredit.com/

keywords: risk management,compliance,assist,risk management,performance,management,administration,analysis,financial services,knowledge,experience,performance,degree,technology,maintenance

Full Time

Overview: <ul> <li>Assists prospective and current borrowers with their residential credit needs and with formulating solutions to credit related issues.</li> <li>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.</li> </ul>
Responsibilities: <ul> <li>Collects essential application and financial elements and performs high level review to ensure minimum eligibility and credit standards are met.</li> <li>Ensures that all assigned loans are properly risk rated for credit quality and collateral risks and assigned the correct performance status.</li> <li>Complies with credit administration practices as outlines in the association&rsquo;s policies and procedures and understands and accomplishes the regulatory requirements related to residential lending.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</li> <li>Facilities the loan closing process as required in accordance with all applicable association and FCA policies and regulations.</li> <li>May perform construction inspections in compliance with Association standards and procedures.</li> <li>May assist with or attend public relations/marketing functions for the Association.</li> </ul> <p>&nbsp;</p> <p>The climate is fast-paced and requires detailed management of multiple applications. &nbsp;</p> <p>&nbsp;</p>
Requirements: <br /> <ul> <li>Bachelor&rsquo;s degree in Business Administration, Finance, Agricultural Economics, or a related field, or equivalent experience</li> </ul> <br /><strong>JOB REQUIREMENTS:</strong><br /> <ul> <li>Must obtain and maintain registration as a Mortgage Loan Officer under NMLS and Association standards.</li> <li>Knowledge of Encompass origination platform is preferred but not required.</li> <li>Two years minimum lending/origination experience</li> <li>Farm Credit experience preferred but not required</li> </ul> <p><strong>PREFERRED SKILLS:</strong></p> <ul> <li>General knowledge of accounting/financial systems.</li> <li>Specialized knowledge of accounting/finance principles and residential lending laws and regulations.&nbsp;</li> <li>Skill in oral and written communication.</li> <li>Basic skill level in Microsoft Office applications.</li> <li>Ability to perform basic to intermediate-level accounting/financial analyses under moderate supervision.</li> <li>Construction lending experience is preferred</li> </ul>