Job Details

Retail Closing Specialist

Location: Fargo, ND, US, 58108 Req ID: 2152 Salary Range: $49,120 - $79,930 Incentive Opportunity: 7.5% - 15%

AgCountry Farm Credit Services (AgCountry), Farm Credit Services of America (FCSAmerica) and Frontier Farm Credit are financial cooperatives that operate under shared management across eight states. While each association is owned by its local farmers and ranchers, they collaborate by pooling resources, expertise, and talent to provide affordable credit, crop insurance, and financial services. Our associations are united by a common mission and commitment to serving rural America and supporting each other, which drives the success of the farmers, ranchers, and agribusiness we serve. We take pride in being a great place to work, and this enthusiasm is reflected in the relationships our team members foster with one another and with our customers.

Job Summary

Seeking a Closing Specialist who will be responsible for preparation of non-consumer loan documents, from the point of loan approval through loan finalizing, to include monitoring of appraisal and closing conditions. You will be asked to maintain an understanding of and ensure compliance with all regulations and procedures associated with loan closing. This position has a high degree of accountability to ensure the repayment and collectability of company's assets through the correct development and implementation of promissory notes, mortgages, and other lending documents. Once the loan is underwritten, you will be responsible for all aspects of loan closing preparation and completing post-closing activities.

Essential Duties & Responsibilities

Pre-Closing Activities

• Ensure accuracy of loan pricing and fees and document any exception approvals, prepare rate lock agreement and monitor closing deadlines.
• Complete loan verification requirements related to loan documents, review entity and trust documentation, and ensure compliance with applicable regulations.
• Verify the appraisal report, collateral, and enter appraisal into the collateral tracking system.
• Partner with respective parties to ensure loan conditions are satisfied, initiate title work, and resolve any issues.

Post-Closing Activities

• Approve loan disbursements and book loans.
• Responsible for perfecting lien position, including recording and filing documents timely, following up on UCC terminations or other lien releases, obtaining vehicle titles, and ensuring first lien position with final title policy or final title opinion.
• Finalize all FLCA loans secured by real estate and obtain assignment of indemnity for various insurances.
• Maintain accuracy of the collateral tracking system and coordinate with teammates to enhance the customer experience.

Education Requirements

College degree in Business or Finance related majors preferred.

Years of Experience

Minimum of two years related experience.

Why Us

For qualifying positions, we provide a competitive benefits package designed to support health and well-being, financial security, and work-life balance:

• Health Benefits: Comprehensive medical, dental, and vision insurance
• Retirement Plans: 401(k)
• Paid Time Off: Vacation, sick leave, paid holidays, and parental leave
• Additional Benefits: Life and disability insurance, Employee Assistance Program (EAP), wellness programs, tuition assistance, and short-term incentive pay

About Us: AgCountry has 44 offices, is based in Fargo, North Dakota and serves portions of North Dakota, Minnesota, and Wisconsin. FCSAmerica is based in Omaha, NE and has 42 local offices serving rural communities and agriculture in Iowa, Nebraska, South Dakota, and Wyoming. Frontier Farm Credit has six offices serving eastern Kansas. Together, we support nearly 82,000 producers and agribusinesses, meeting the needs of today's agricultural industry with our combined 2600+ employees providing lending, risk management, technology, commodity marketing, and customer and employee education. AgCountry Farm Credit Services, ACA, Farm Credit Services of America, ACA, and Frontier Farm Credit, ACA are Equal Employment Opportunity employers, and they comply with all applicable federal, state, and local fair employment practices laws.