Closing Specialist
Horizon Farm Credit, ACA

JOB DESCRIPTION

Are you looking for a new opportunity with career development/training, the ability to work in a collaborative team environment, and a great work/life balance?

Overview: Horizon Farm Credit is seeking 2 Closing Specialists to join our team. Two positions are available, qualified candidates may work in either the Mechanicsburg, PA, Westminster, MD, Denton, MD, or Chambersburg, PA branch location.The hours of operations are typically, Monday to Friday from 8 a.m. to 4:30 p.m.

Position Description: In this position, you will guide approved loans through the origination and closing process by working directly with lenders and customers to provide a clean hand-off to the processing team. Ensures that conditions for closing are met and any needed documentation is saved to the file. You will be responsible for reviewing the file early to communicate with processing managers or the legal department if needed.

Areas of responsibility include:

Closing Support

Clear all conditions for approved loans before sending them to the processing team.

• Confirm all documents are moved from Doc Exchange to Doc Hub.
• Confirm insurance condition is met by contacting the borrower or agent.
• Schedule preliminary closing with the attorney.
• Confirm rate lock information and expiration.
• For electronic loan closings, confirm all signers (including non-borrowers) have emails on file.
• If changes made at approval include any additional collateral, confirm that searches and/or appraisals are ordered as needed.
• If changes made at approval include any additional business entity involvement, confirm that all entity documents are collected.
• Work directly with borrowers to address all other conditions.

Documentation Support

Confirm all needed documentation from the borrower is collected before moving to loan processing.

• Confirm business entity docs (if needed), are collected and signers are properly identified.
• Review title requests according to guidelines or work with the Title Review team.
• Confirm out-of-footprint loans are coordinated with Legal.
• Alert the manager of any need for review by the Legal department.
• Review approval for any non-standard closing documents needed.

Organization & Time Management

Contact borrowers and/or lenders with timely and proper documentation in the system to ensure transparent communication for Sales, Loan Operations, and future audit needs.

• Maintain workflow and queue maintenance according to defined workflows.
• Review reports and loan files in the closing pipeline to keep loans moving toward closing; alerting lenders and processing management of potential rush situations as early as possible.
• Working on assigned reports timely and accurately according to procedures

Administration/Other Duties

• Prepare appropriate file documentation and participation in ICFR compliance activities, including but not limited to documenting logs within ACR and completion of all pre-closing conditions.
• Work directly with borrowers with any timing or other concerns.

Education

Associate's degree or equivalent experience in accounting or business. Loan processing and documentation experience preferred or training/experience in banking, finance, or legal industries.

Experience

Generally, one to three years of experience is preferred. Experience working in a fast-paced environment is a plus.

REQUIREMENTS:

• Possess strong written and verbal communication skills, quality and solution-focused.
• Detail-oriented, independent judgment skills, and strong organizational skills.
• Possess strong written and verbal communication skills, quality and solution-focused.
• Adaptable and flexible to a changing work environment.
• Demonstrate a willingness to be collaborative and the ability to develop and work well in a team atmosphere.
• Ability to work independently with general supervision and proven self-starter.
• Knowledge of computer software applications, which may include but are not limited to: Adobe, MS Excel, MS Word, CRM, SharePoint, AgDocs, Accounting systems/mainframe/front end, Credit Delivery or other document generation software, report generation, vendor ordering software, and collateral database tracking.
• Expected to consistently exhibit vales of ACRES as represented in HFC's Core Values.
• Ability to be assertive and decisive in arriving at sound business decisions which serve the best interest of the association and borrower.
• Prolonged periods sitting at a desk and working on a computer.
• Regular, predictable, and reliable attendance is required.

Who are we?

Horizon Farm Credit is an expert in agriculture, with over 100 years of serving rural America. As a premier rural lender, we're constantly growing and seeking new members for our team. As part of the Horizon Farm Credit team, you have the opportunity to make a difference in agriculture and rural communities.

What can we offer you?

We offer competitive compensation and benefits packages for full-time employees including:

• Medical insurance with dental and vision care options
• 401 (k) with significant employer matching
• Paid time off, holidays, and volunteer time to support work/life balance
• Tuition reimbursement and training opportunities
• Student loan reimbursement
• Leadership and career development opportunities
• Paid maternity and bonding leave
• Paid short-term disability
• Fun and inclusive work environment

Salary Range: $40,500 - $55,000, depending on experience.

Equal Opportunity Employer including veterans and individuals with disabilities

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