Document Preparation Specialist I

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.

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 10‑12 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.

Location
This position will be located at our headquarters in College Station, Texas.

Education & Experience
High school diploma and zero (0) to two (2) years’ experience in document preparation and credit servicing, including all facets of loan servicing such as closing requirements and land or title examination, with a general understanding of Texas Homestead Law preferred. Banking experience is recommended but not required.

Job Summary

Entry‑level to early‑career position that prepares document preparation requirements and instruments within accepted procedures and guidelines of the association.

Performs analysis of unique title and ownership issues and determines the legal documentation and requirements to close the transaction with a valid and required lien position.

Assists the credit office in facilitation of the document preparation process in accordance with all applicable association, CFPB, and FCA policies and regulations, including necessary disclosure preparation.

Performs title review and certification of liens covered by title insurance to ensure bank assets are pledged to the borrowing base.

Works closely with more experienced document preparation staff and may handle consumer and non‑consumer loans.

Executes simple and routine document preparation functions while training and learning.

Operates with consistent oversight and limited approval authority.

Essential Functions

Processes assigned loans within delegated authority, applying basic understanding of document preparation, title requirements, appraisal requirements and regulatory knowledge.

Prepares document requirements and instruments in compliance with all banks, state, federal and association policies, procedures and regulations, ensuring all requirements are met prior to closing.

Prepares, assembles and compiles documents for closing, such as insurance forms, loan forms and flood certificates; examines loan applications and closing documents for accuracy and completeness.

May process UCC filings, searches and billing.

May verify sufficiency of the legal description of the collateral.

Reviews title insurance commitment to substantiate adequacy of title to meet regulatory and association requirements.

Prepares statements verifying net loan proceeds, loan maturity dates and initial interest and principal repayment dates.

Prepares various statements to meet regulatory requirements including Dodd‑Frank Act, TILA‑RESPA Integrated Mortgage Disclosures act and Texas law as required.

Reviews post‑closing documents such as title policies, deeds of trust, assignments and additional collateral; ensures all documents are properly signed, witnessed and notarized.

Maintains quality control regarding legal requirements, consumer lending laws, correct security lien position and adherence to policy during document preparation.

Prepares security documents for personal and real property, ensuring adequate lien perfection; prepares promissory notes, fixed‑rate documents, subordination agreements, closing letters, lender instructions, interest rate disclosures and more.

Provides guidance in compliance areas to association staff and works with the legal team to enforce compliance with lending laws and regulations.

Required Skills

General knowledge of accounting/financial systems.

General knowledge of title insurance, crop insurance and credit life insurance.

General knowledge of real estate security legal requirements, Truth‑in‑Lending regulations, FMHA requirements and document preparation procedures.

General knowledge of documentation requirements for title policies, deeds of trust and collateral.

Skill in oral and written communication.

Skill in providing customer service.

Basic skill level in Microsoft Office applications.

Equity, Diversity, and Inclusion
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, contact us by email at careers@capitalfarmcredit.com and let us know the nature of your request. Requests for accommodation will be considered on a case‑by‑case basis. 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.

#J-18808-Ljbffr