Loan Processor

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

Overview : Horizon Farm Credit is actively seeking a Loan Processor to join our team. Two positions available, qualified candidates may work in either the Mechanicsburg, PA, Westminster, MD, Martinsburg, PA or Denton, MD 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 prepare loan closing documents, close loans, disburse proceeds, procure collateral, file documentation and follow-up, and ensure procedures are followed to deliver loans with accurate and compliant legal documentation.

You will processes / closes loan packages, typically ACA loans. Closes Loans in accordance with District guidelines and legal documentation standards.

Areas of responsibility include :

• Process, close, fund, and book all new loans and servicing actions according to applicable processing procedures and practices; including :
• Prepare commitment, notes, lien Instruments, and other general loan documents that represent what is outlined in the stamped credit package.
• Accurate data entry of PD / LGD / Collateral Values and other data to result in a loan booking that represents what is outlined in the stamped credit package.
• Prior to loan closing, confirm loan conditions outlined in the stamped credit package are met and filed.
• Consult and confirm with Loan Officers, Underwriters, and other involved parties (management, attorney's, etc.) to confirm loan actions are completed accurately.
• Confirm collateral is properly identified and secured with the loan documents; which includes quality review of signatures, dates, and initials, and completing necessary follow up to have errors or omissions corrected accurately and timely.
• Review of new or existing collateral documents to ensure and / or verify correct lien position. Communicate with loan staff to confirm accuracy of lien documents and address any discrepancies.
• Complete accurate checks and other accounting related forms for proper funding.
• File all related documents timely, accurately, and consistently to ensure easy reference in the future by all staff.
• Quality checking all of your work to ensure compliance and accuracy; maintaining satisfactory audit and QC review results.
• Meet the target turnaround processing timelines and properly document system to ensure transparent communication for Sales, Loan Operations, and future audit needs.
• Prepare appropriate file documentation and participation in ICFR compliance activities, including but not limited to PG / LGD secondary verification, TDAF and WDAF reviews.

Work with branch office staff to ensure all post-closing documents are submitted timely to the Collateral Vault when returned directly to the branch.

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 eight years of experience 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 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 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 serves 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 for 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.