Retail Loan Administrator I

capitalfarmcredit; Fredericksburg (TX); On-site; USD 32,000 - 42,000; Full time

Benefits offered by this job

Incentive program

Accrued time off: 13 days annual leave

15 days sick leave annually

10-12 paid holidays annually

401(k) with up to 9% company match

Health, dental, and vision plans

Paid parental leave (8 weeks)

Life & disability insurance

Tuition reimbursement and wellness up–

Job summary

Capital Farm Credit is seeking an entry-level team member for basic loan administration, loan accounting, content management, credit support, and office operations. The role supports simple to moderately complex loan portfolios and responds to customer inquiries as a first line of contact.

You will work with senior staff to research issues, handle loan documents, and assist with loan closings and funding. This position emphasizes accuracy, compliance, and excellent customer service in a

Qualifications

• 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.

Responsibilities

• Provide excellent customer service by greeting customers and handling inquiries.
• Process loan applications, review for accuracy, and organize applicant information.
• Enter pertinent loan data into loan origination systems and obtain credit reports.
• Coordinate loan closings and deliver closing packets for execution.
• Onboard new loans and monitor borrower conditions and covenants.

Skills

Customer service

Loan administration

Attention to detail

Education

High school diploma or associate's degree

Tools

Loan origination systems

Credit reports

UCC search basics

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.

Our 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 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, patr