Consumer Loan Administrator II

Capital Farm Credit; College Station (TX); On-site; USD 42,000 - 62,000; Full time

Benefits offered by this job

Incentive Program

Accrued Time Off

Retirement (401k)

Health Coverage

Parental Leave

Life & Disability Insurance

Education & Wellness

Job summary

Capital Farm Credit in Texas is seeking a Loan Administrator to support loan administration, accounting, content management, and credit support. This role handles daily office operations and serves as a first line of contact for customers.

You will process mortgage loan pipelines, respond to inquiries, and coordinate with internal and external partners to ensure accurate and timely closings. Strong attention to detail and knowledge of loan systems are essential.

Qualifications

• High school diploma or equivalent and 3 years' experience in loan administration, office operations or customer service.
• NMLS license required.

Responsibilities

• Process and manage loan pipelines and respond to customer inquiries.
• Administer mortgage loan pipelines and support underwriting.
• Support business development through customer service and first-line contact.
• Coordinate communication with external parties and internal departments involved in the loan relationship.
• Enter loan data into loan origination systems and ensure accuracy.
• Track and monitor due dates to keep timelines on target.

Skills

Office systems

Documentation knowledge

Education

High school diploma or equivalent

NMLS license

Tools

Microsoft Office

Loan origination systems

Job description

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.

• 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 10-12 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, you’ll find more than a job—you’ll find purpose.

LOCATION

This position may be located in College Station or La Grange, Texas. Other CFC offices may be considered based on availability.

EDUCATION AND EXPERIENCE

• High school diploma or equivalent and three (3) years’ experience in loan administration, office operations or customer service in the financial services, mortgage, or title insurance industry, or experience deemed equivalent at the discretion of Capital Farm Credit.
• NMLS License required.

JOB SUMMARY

• Responsible for loan administration, loan accounting, content management, credit support, and other office administration work on a daily basis.
• Administers simple to moderately complex mortgage loan pipelines and effectively and efficiently responds to customer service inquiries on a routine basis.
• Supports business development efforts by providing excellent, thorough, and knowledgeable customer service as a first line of customer contact via face-to-face interactions and/or telephone conversations.
• Facilitates communication with external parties and internal departments involved in the customer and loan relationship.

ESSENTIAL FUNCTIONS

• Provides excellent customer service on a consistent basis by answering and resolving customer inquiries, with some occasional assistance required. Facilitates communication between internal departments and external parties. Researches and resolves issues with limited assistance.
• Sends the loan application(s) to applicants based on initial interview. Develops, organizes, and reviews completed loan applicant information. Enters pertinent loan data into loan origination systems. Ensures accuracy and completeness of applicant information in the loan origination system, with occasional oversight.
• Receives and reviews financial information submitted by applicants in compliance with lending requirements, including but not limited to, tax returns, balance sheets, income verification, asset and debt documentation. Identifies gaps in the financials submitted and communicates additional needs with applicants. Uploads complete financial package for review by underwriting department.
• Requests and gathers required documentation and orders real estate appraisals. Maintains knowledge of earnest money contracts, title commitments, county clerk searches, recorded real property documents and county appraisal district information.
• Facilitates interest rate locks on loans prior to closing. Initiates closing process with closing department.
• Develops and maintains foundational knowledge of residential construction processes with an ability to explain the construction requirements, procedures, and expectations. Requests and reviews construction related documents including but not limited to, construction agreements, building plans and specifications, and builder’s risk policies. Process all residential construction loans within defined procedures.
• Communicates recommended loan terms, conditions, and collateral positions consistent with the request, and sets clear expectations. Coordinates loan closing dates and logistic specifics with applicants.
• Assists consumer lending team with sales pipeline management.
• Develops and maintains a basic level knowledge of association product offerings and partnership offerings with an ability to discuss products with customers before referring to lending staff.
• Maintains foundational knowledge of consumer lending regulations and ensures compliance is met accordingly. Administers various reports as required.
• Knowledge of required procedures, policies, processes, and regulations with an ability to research and apply them with some oversight. Demonstrates knowledge of, and ability to use, association programs and systems used in lending and office administration.
• Tracks and monitors due dates of various milestones within the loan origination process. Communicates and coordinates efforts between all parties involved to ensure timelines are met.
• Work closely with consumer lending team to build productive relationships with current and prospective customers based on mutual trust and respect.
• Assists with general office administration, operates a variety of standard office equipment, and performs other duties as assigned.

REQUIRED SKILLS

General knowledge of:

• Computer systems and office equipment used for file management and file classification practices and retrieval of business information.
• Documentation requirements for title policies, deeds of trust, UCC financing statements, and other collateral documents.

Specialized knowledge of:

• Professional, oral, and written correspondence principles.
• Intermediate skill level in Microsoft Office applications.
• Organization and time management practices.
• Working in a collaborative environment.
• Critical thinking skills.

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 [e-mail] 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 the EEO - Know Your Rights and Pay Transparency Statement .

Applicants should personally complete and submit their application materials. Submissions generated through automated tools or third-party mass application services may not be reviewed.

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 candidate's 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. Candidates selected for hire will be required to complete a background check, including criminal history, education verification, and employment verification. A credit check will be required for roles that require NMLS registration.

Voluntary Self-Identification

For government reporting purposes, we ask candidates to respond to the below self-identification survey.Completion of the form is entirely voluntary. Whatever your decision, it will not be considered in the hiringprocess or thereafter. Any information that you do provide will be recorded and maintained in aconfidential file.

As set forth in Capital Farm Credit’s Equal Employment Opportunity policy,we do not discriminate on the basis of any protected group status under any applicable law.

If you believe you belong to any of the categories of protected veterans listed below, please indicate by making the appropriate selection.As a government contractor subject to the Vietnam Era Veterans Readjustment Assistance Act (VEVRAA), we request this information in order to measurethe effectiveness of the outreach and positive recruitment efforts we undertake pursuant to VEVRAA. Classification of protected categoriesis as follows:

A "disabled veteran" is one of the following: a veteran of the U.S. military, ground, naval or air service who is entitled to compensation (or who but for the receipt of military retired pay would be entitled to compensation) under laws administered by the Secretary of Veterans Affairs; or a person who was discharged or released from active duty because of a service-connected disability.

A "recently separated veteran" means any veteran during the three-year period beginning on the date of such veteran's discharge or release from active duty in the U.S. military, ground, naval, or air service.

An "active duty wartime or campaign badge veteran" means a veteran who served on active duty in the U.S. military, ground, naval or air service during a war, or in a campaign or expedition for which a campaign badge has been authorized under the laws administered by the Department of Defense.

An "Armed forces service medal veteran" means a veteran who, while serving on active duty in the U.S. military, ground, naval or air service, participated in a United States military operation for which an Armed Forces service medal was awarded pursuant to Executive Order 12985.