USDA Loan Closer

Pathward, National Association; United States; Hybrid; USD 29,000 - 46,000; Full time

Benefits offered by this job

Health insurance

401(k) retirement benefits

Life insurance

Disability benefits

Paid time off

Job summary

Pathward, National Association is hiring for a USDA loan closing specialist in the United States. The role coordinates with borrowers, guarantors, counsel, brokers, and title companies to move USDA loan closings from approval through funding.

The position requires a high school diploma and 5+ years of related experience, including 2–3 years in Government Guaranteed Lending closings. Hybrid work options are available with strong emphasis on regulatory compliance and customer service.

Qualifications

• High school diploma or equivalent.
• Typically requires a minimum of five years of related experience.
• 2-3 years of Government Guaranteed Lending closing experience.

Responsibilities

• Serve as primary liaison throughout the USDA loan closing process.
• Coordinate with borrowers, guarantors, legal counsel, brokers, title companies, USDA reps, and vendors.
• Identify and collect all closing documentation including eligibility, environmental, appraisal, collateral, and guarantee requirements.
• Prepare, review, and finalize loan documents with counsel to satisfy all closing conditions.
• Monitor timelines, identify delays, and drive actions to close within service level expectations.
• Review approvals and ensure closing documents reflect approved credit structures and USDA requirements.
• Provide status updates, resolve issues, and escalate risks as needed.
• Ensure collateral, title, insurance, entity, and perfection requirements are completed before funding.
• Coordinate post-closing delivery and support loan sale and guarantee applications as applicable.
• Develop relationships with customers, USDA personnel, attorneys, and partners for efficient closings.
• Assist training and mentoring of Closing Team members.
• Support process improvement, reporting, and compliance in USDA lending operations.
• Perform other duties and special projects as assigned

Skills

USDA loan closings

Documentation review

Stakeholder coordination

Regulatory compliance

Education

High school diploma

Job description

We are a hybrid, remote-office company dedicated to growing our talent anywhere!

We have onsite locations in: Sioux Falls, SD, Phoenix, AZ, Louisville, KY, Troy, MI, Franklin, TN, Easton, PA.

At Pathward, we take tremendous pride in our purpose to create financial inclusion for all.We area financial empowerment company that works with innovators to increase financial availability, choice, and opportunity for all. We strive to remove barriers that traditional institutions put in the way of financial access, and promote economic mobility by providing responsible, secure, high quality financial products.

We are a team of problem solvers and innovators who celebrate our differences and know that our unique perspectives make us stronger and well-positioned for success. We celebrate, and embrace, our team members through our *HUMBLE*HUNGRY*SMART approach, and we believe that we are strongest when we embrace the voices of our employees, customers, partners, and the communities we serve.

About the Role:

Serve as the Bank's primary point of contact throughout the USDA loan closing process, coordinating with borrowers, guarantors, legal counsel, brokers, title companies, USDA representatives, and other third-party vendors.

What You Will Do:

• Manage pipeline of USDA loan closings from approval through funding, ensuring compliance with USDA program requirements, Bank credit approvals, and internal policies and procedures.
• Identify, collect, review, and validate all documentation required for closing, including USDA-specific eligibility, environmental, appraisal, collateral, and guarantee-related requirements.
• Coordinate and communicate directly with internal partners to facilitate timely and accurate closings.
• Partner with internal and external legal counsel to prepare, review, and finalize loan documentation, ensuring all closing conditions and USDA requirements are satisfied prior to funding.
• Monitor closing timelines, proactively identify potential delays, and drive necessary actions to ensure transactions close within established service level expectations.
• Review loan approvals and commitment terms to ensure closing documents accurately reflect approved credit structures and USDA program requirements.
• Act as the primary liaison during the closing process, providing status updates, resolving issues, and escalating risks or borrower responsiveness concerns as appropriate.
• Ensure all collateral, title, insurance, entity, and perfection requirements are completed and documented prior to funding.
• Coordinate post-closing delivery requirements and support the loan sale and guarantee application process, as applicable.
• Develop and maintain strong relationships with customers, USDA personnel, attorneys, and business partners to support an efficient closing experience.
• Assist with training, mentoring, and providing subject matter expertise to other members of the Closing Team.
• Support process improvement initiatives, reporting, procedural documentation, and compliance efforts related to USDA lending operations.
• Perform other duties and special projects as assigned

What You Will Need:

• High school diploma or equivalent
• Typically requires a minimum of five years of related experience
• 2-3 years of Government Guaranteed Lending closing experience

The responsibilities listed above are not all inclusive and may be changed at any time.

Salary range: $21 hourly - $33.50 hourly

The salary range reflects the minimum and maximum target for a new hire in this role. Individual pay within the range will be determined by multiple factors which can include but are not limited to a candidate's experience, qualifications, skills, and location. Your recruiter can share more about the specific salary for your location during the hiring process. Ranges may be modified in the future. This role is also eligible for an annual performance-based incentive opportunity. Pathward offers a comprehensive benefits package for eligible employees, including health insurance, 401(k) retirement benefits, life insurance, disability benefits, paid time off, and more.

Who we are:

Our commitment to inclusion is woven into our DNA. We believe that we are strongest when we embrace the voices of our employees, customers, partners, and the communities we serve.

We provide equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, ethnicity, religion, sex, sexual orientation, gender identity, transgender status, pregnancy, national origin, age (age 40 and over), disability, genetic information, marital status, hair texture or hairstyle, ancestry, service in the uniformed services, protected veteran status, status as a victim of domestic violence or any other class protected by federal, state and local laws.

We encourage you to be cautious of hiring scams that impersonate Pathward. Copy and paste the following URL into your browser to learn more: https://www.pathward.com/about-us/people-culture/careers/