USDA Loan Closer

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

Benefits offered by this job

Health insurance

401(k)

Life insurance

Disability benefits

Paid time off

Job summary

Pathward is seeking an experienced Closing Specialist to act as the primary point of contact through USDA loan closings. You will coordinate with borrowers, guarantors, counsel, brokers, title companies, and USDA reps to ensure timely funding.

The role requires 5+ years in related closing experience and 2-3 years in Government Guaranteed Lending. A hybrid work model leverages both onsite and remote collaboration across multiple locations. Health benefits and retirement options are provided.

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

• Manage USDA loan closings from approval through funding, ensuring compliance with program requirements and internal policies.
• Identify, collect, review, and validate all closing documentation including eligibility, environmental, appraisal, collateral, and guarantee-related items.
• Coordinate with internal partners to facilitate timely closings and communicate progress to stakeholders.
• Prepare, review, and finalize loan documentation with counsel to satisfy closing conditions and USDA requirements.
• Monitor timelines, identify delays, and drive actions to ensure closings occur within SLAs.
• Review approvals and commitment terms to ensure accurate closing documents reflect approved credit.

Skills

USDA loan closing

Pipeline management

Documentation review

Regulatory compliance

Education

High school diploma or equivalent

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 are a 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.

Pathward is an equal employment opportunity employer and considers candidates for roles without regard to their race, sex, national origin, ethnicity, age, disability or any other category protected by law.

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.

Applicants with disabilities may be entitled to reasonable accommodation under the terms of the Americans with Disabilities Act and certain state or local laws. For assistance completing an application, please contact a Pathward People & Culture Representative by emailing - [e-mail]

Applications will be accepted for a minimum of 3 days after posting, and there is no predetermined date by which applications should be submitted.

Knowingly submitting false information will result in disqualification for consideration of future positions, termination of employment and forfeiture of other rights.