Retail Loan Administrator I

Capital Farm Credit; Fredericksburg (TX); On-site; USD 42,000 - 52,000; Full time

Benefits offered by this job

Incentive program

Accrued time off

401(k) with employer match

Health coverage

Parental leave

Life & disability insurance

Education & wellness reimbursement

Job summary

Capital Farm Credit is seeking an entry-level Loan Administrator to join our team in Texas. The role involves basic loan administration, loan accounting, content management, and providing strong customer service to borrowers and internal partners.

You will administer simple to moderate loan portfolios, respond to inquiries, and support business development by delivering knowledgeable service as the first point of contact in person or by phone.

Qualifications

• High school diploma or associate’s degree required.
• Two years of related experience in loan administration, office operations, or customer service with exposure to financial services, mortgage, title insurance industry, or equivalent.

Responsibilities

• Greet customers and handle inquiries, directing issues to senior staff as needed.
• Process loan applications, review for accuracy, and communicate additional needs to applicants.
• Enter loan data into systems, obtain credit reports, and generate credit scores.
• Coordinate loan closings and onboarding of new loans into accounting systems.

Skills

Loan administration

Customer service

Microsoft Office

Office operations

Education

High school diploma or associate’s degree

Tools

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.

Education and Experience

• High school diploma or associate’s degree.
• Two (2) years of related experience in loan administration, office operations, or customer service with exposure to financial services, mortgage, title insurance industry, or experience deemed equivalent at the discretion of Capital Farm Credit (CFC).

Job Summary

• An entry level position responsible for basic loan administration, loan accounting, content management, credit support, and other office administration work.
• Administers simple to moderately complex loan portfolios and effectively responds to customer service inquiries on a routine basis.
• Supports business development efforts by providing excellent and knowledgeable customer service as a first line of contact via face‑to‑face interactions and/or telephone conversations.
• Communicates with external parties and internal departments involved in the customer and loan relationship.

Essential 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.

Required Skills & Basic Knowledge Of:

• 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.
• 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 hiring process or thereafter. Any information that you do provide will be recorded and maintained in a confidential 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 measure the effectiveness of the outreach and positive recruitment efforts we undertake pursuant to VEVRAA. Classification of protected categories is 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.

Voluntary Self-Identification of Disability

Form CC-305

Page 1 of 1

OMB Control Number 1250-0005

Expires 07/31/2029

Why are you being asked to complete this form?

We are a federal contractor or subcontractor. The law requires us to provide equal employment opportunity to qualified people with disabilities. We have a goal of having at least 7% of our workers as people with disabilities. The law says we must measure our progress towards this goal. To do this, we must ask applicants and employees if they have a disability or have ever had one. People can become disabled, so we need to ask this question at least every five years.

Completing this form is voluntary, and we hope that you will choose to do so. Your answer is confidential. No one who makes hiring decisions will see it. Your decision to complete the form and your answer will not harm you in any way. If you want to learn more about the law or this form, visit the U.S. Department of Labor’s Office of Federal Contract Compliance Programs (OFCCP) website at www.dol.gov/ofccp .

How do you know if you have a disability?

A disability is a condition that substantially limits one or more of your “major life activities.” If you have or have ever had such a condition, you are a person with a disability. Disabilities include, but are not limited to:

• Alcohol or other substance use disorder (not currently using drugs illegally)
• Autoimmune disorder, for example, lupus, fibromyalgia, rheumatoid arthritis, HIV/AIDS
• Blind or low vision
• Cancer (past or present)
• Cardiovascular or heart disease
• Celiac disease
• Cerebral palsy
• Deaf or serious difficulty hearing
• Diabetes
• Disfigurement, for example, disfigurement caused by burns, wounds, accidents, or congenital disorders
• Epilepsy or other seizure disorder
• Gastrointestinal disorders, for example, Crohn's Disease, irritable bowel syndrome
• Intellectual or developmental disability
• Mental health conditions, for example, depression, bipolar disorder, anxiety disorder, schizophrenia, PTSD
• Missing limbs or partially missing limbs
• Mobility impairment, benefiting from the use of a wheelchair, scooter, walker, leg brace(s) and/or other supports
• Nervous system condition, for example, migraine headaches, Parkinson’s disease, multiple sclerosis (MS)
• Neurodivergence, for example, attention‑deficit/hyperactivity disorder (ADHD), autism spectrum disorder, dyslexia, dyspraxia, other learning disabilities
• Partial or complete paralysis (any cause)
• Pulmonary or respiratory conditions, for example, tuberculosis, asthma, emphysema
• Short stature (dwarfism)
• Traumatic brain injury

PUBLIC BURDEN STATEMENT: According to the Paperwork Reduction Act of 1995 no persons are required to respond to a collection of information unless such collection displays a valid OMB control number. This survey should take about 5 minutes to complete.