Closing Specialist

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.

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. You ensure 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.

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.

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.

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.

• 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.

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.

Generally, five to eight years of experience in real estate or loan processing is preferred. Experience working in a fast‑paced environment is a plus.

• 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 values of ACRES as represented in HFC’s Core Values.
• Ability to be assertive and decisive in arriving at sound business…