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?
Horizon Farm Credit is seeking one Closing Specialist to join our team. The qualified candidates may work in either the Mechanicsburg, PA, Westminster, MD, Denton, MD, Reedsville, PA, or Chambersburg, PA branch location. The hours of operations are typically, Monday to Friday from 8 a.m. to 4:30 p.m. This position is eligible for a hybrid work schedule after 6 months of successful employment. This is a great opportunity to make a difference in agriculture and rural communities while growing your career in a supportive work environment.
Position Description: As a Closing Specialist, you’ll apply your legal knowledge and document-handling skills to guide approved loans through the 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 documentation needed is saved to the file. You will be responsible for reviewing the file early to communicate with processing managers or the legal department as needed.
Areas of responsibility include:
Closing Support
Clear all conditions for approved loans before sending them to the processing team.
Clear all pre-closing conditions and ensure documentation is complete.
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 are made at approval include any additional collateral, confirm that searches and/or appraisals are ordered as needed.
If changes are made at approval including 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 are collected and signers are properly identified.
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, three to eight years of experience in real estate or loan processing is preferred. Experience working in a fast-paced environment is a plus.
REQUIREMENTS:
Familiarity with legal documents, title work, and closing procedures.
Possess strong written and verbal communication skills, quality and solution focused.
Detail-oriented, independent judgment skills, and strong organizational skills.
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.
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: $45,000 – $60,000, depending on experience. Opportunity to earn additional incentive.
Equal Opportunity Employer including veterans and individuals with disabilities.
