Home Loan Officer

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 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

Bachelor's degree in business administration, Finance, Agricultural Economics, or a related field, or equivalent experience and one (1) to three (3) years of experience as a loan officer or loan officer trainee. Will require registration as a Mortgage Loan Officer under the National Mortgage Licensing System.

ESSENTIAL FUNCTIONS

• Assists prospective and current borrowers with their residential credit needs and with formulating solutions to credit related issues.
• Makes and services residential loans within delegates authority and in accordance with association policies. Makes and/or conveys decisions on loan approval, structure, and pricing. Responsible for exercising credit risk management responsibilities on loans with area of responsibility.
• Collects essential application and financial elements and performs high level review to ensure minimum eligibility and credit standards are met.
• Ensures that all assigned loans are properly risk rated for credit quality and collateral risks and assigned the correct performance status.
• Complies with credit administration practices as outlines in the association's policies and procedures and understands and accomplishes the regulatory requirements related to residential lending.
• Facilities the loan closing process as required in accordance with all applicable association and FCA policies and regulations.
• May perform construction inspections in compliance with Association standards and procedures.
• May assist with or attend public relations/marketing functions for the Association.
• Must obtain and maintain registration as a "Mortgage Loan Origination."

REQUIRED SKILLS

• General knowledge of accounting/financial systems.
• Specialized knowledge of accounting/finance principles and residential lending laws and regulations.
• Skill in oral and written communication.
• Basic skill level in Microsoft Office applications.
• Ability to perform basic to intermediate-level accounting/financial analyses under moderate supervision.

COMMUNICATION REQUIREMENTS

This job requires strong verbal and written communication skills and listening skills, as well as the ability to read, comprehend and write memos, e-mails, operating manuals, and policy directives. The job also requires the ability to provide, follow and convey verbal instruction, and to provide and receive feedback as appropriate in a respectful, business-appropriate manner. The ability to make effective business presentations, both written and oral, in small and large audiences is required. Courteous and professional conduct is required at all times with a willingness to provide and receive constructive input and direction. In working with team members, it is required that you foster open lines of communication by conveying pertinent non-privileged industry and company information that is necessary to maximize job performance, knowledge and understanding. It is Capital Farm Credit's expectation is that open lines of communication are available to benefit job performance and satisfaction. Within your position, you are encouraged to effectively utilize communication channels to maximize job performance.

WORKING RELATIONSHIPS

Frequent interaction with customers, association departmental staff and management. Occasional interaction with association senior management. Occasional interaction with Farm Credit Bank of Texas and Farm Credit Administration staff. Frequent interaction with area professionals including real estate agents, title companies, and others who deal with the association in the normal course of business.

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 careers@capitalfarmcredit.com 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.