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Loan Modification Jobs in Texas (NOW HIRING)

Loan Analyst

Wharton, TX ยท On-site +1

$46K - $92K/yr

Services cases including loan closing and disbursements, repayments, lien/mortgage releases, and loan modification /extension request. Requirements Help Conditions of employment * You must be a US ...

Reviews and approves loan modification and collateral substitution requests. * Monitors maturity reports and prepares renewals when necessary. * Analyzes financial statements (including performance ...

Reviews and approves loan modification and collateral substitution requests. * Monitors maturity reports and prepares renewals when necessary. * Analyzes financial statements (including performance ...

Purpose Preparation, Processing and Filing Motions, Orders, Notice of Hearing, Adequate Protection Orders, Response to Motions to Sell, Motions to Approve Loan Modification/Deferrals/Partial Claims ...

Prepare FNMA agreements and loan modification documentation to be sent for signatures by the customer. Upon completion of trial period payments, prepare permanent modification agreement and send to ...

The Customer Relationship Manager (CRM) position requires expertise in loan modification. The CRM serves as a single point of contact and trusted advisor for these borrowers. Sensitivity to the ...

... modification of requested loan within respective authority limits * Approves or, when outside pre-approved lending limits, refers loans to management for further analysis and approval * Remain ...

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Loan Modification information

See Texas salary details

$12

$19

$28

How much do loan modification jobs pay per hour?

As of Aug 7, 2026, the average hourly pay for loan modification in Texas is $19.85, according to ZipRecruiter salary data. Most workers in this role earn between $16.78 and $22.40 per hour, depending on experience, location, and employer.

What is a loan modification?

A loan modification is a change made to the terms of an existing loan by a lender, usually to help a borrower who is struggling to make payments. This process can involve reducing the interest rate, extending the length of the loan, or changing the type of loan. The goal is to make the monthly payments more affordable for the borrower while allowing the lender to avoid foreclosure. Loan modifications are common in cases of financial hardship and are often used for mortgages.

What are some common challenges faced by loan modification specialists, and how can they be addressed?

Loan Modification Specialists often navigate complex borrower situations, tight regulatory requirements, and strict deadlines. A major challenge is balancing the needs of distressed borrowers with lender policies while ensuring compliance with relevant laws. Developing strong communication skills, staying updated on industry regulations, and leveraging internal resources or team expertise can help overcome these challenges. Building rapport with borrowers and collaborating closely with underwriters and legal teams also streamlines the process and leads to better outcomes.

What is the difference between Loan Modification vs Loan Processor?

AspectLoan ModificationLoan Processor
Primary RoleNegotiate and modify existing loan terms to assist borrowersEvaluate, process, and verify loan applications for approval
Required CredentialsKnowledge of loan programs, financial analysis, sometimes licensingKnowledge of lending policies, credit analysis, often licensing
Work EnvironmentOffice-based, financial institutions, borrower interactionOffice-based, financial institutions, document review
Industry UsageFinancial services, mortgage companiesMortgage lenders, banks

While both roles operate within the mortgage and lending industry, a Loan Modification specialist focuses on renegotiating existing loans to help borrowers avoid foreclosure, whereas a Loan Processor handles the initial application review and approval process. Understanding these differences helps borrowers and employers identify the right professional for their needs.

What are popular job titles related to Loan Modification jobs in Texas? For Loan Modification jobs in Texas, the most frequently searched job titles are:
What job categories do people searching Loan Modification jobs in Texas look for? The top searched job categories for Loan Modification jobs in Texas are:
What cities in Texas are hiring for Loan Modification jobs? Cities in Texas with the most Loan Modification job openings:
Infographic showing various Loan Modification job openings in Texas as of August 2026, with employment types broken down into 1% As Needed, 80% Full Time, 15% Part Time, and 4% Contract. Highlights an 96% Physical, 2% Hybrid, and 2% Remote job distribution, with an average salary of $41,280 per year, or $19.8 per hour.

Loan Analyst

Farm Service Agency

Wharton, TX โ€ข On-site, Remote

$46K - $92K/yr

Full-time

Posted 22 days ago


Job description

Summary
This position is located in the Farm Service Agency, Wharton, Wharton County, Texas.
This position provides support and assistance to the Farm Loan Managers and Farm Loan Officers that perform a range of lending activities, closing, disbursement, monitoring, liquidating, and servicing of agricultural loans.
Learn more about this agency
Duties
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  • Provides technical advice and assistance on less complex matters concerning loan making.
  • Works with customers to assess their needs and provides information or assistance in resolving their issues.
  • Communicates with borrowers regarding loan status, status of pending requests, and standard loan fund policies and procedures.
  • Generates, receives, records and disseminates correspondence correspondence regarding loan making.
  • Identifies, analyzes, and makes recommendations to resolve conventional problems and situations in farm loan making.
  • Services work-flow and work distribution. Identifies problems, uses sound judgment to evaluate alternatives and to make recommendations.
  • Evaluates technical information related to the job. Advises others on technical issues.
  • Works with customers to assess their needs and provides information or assistance in resolving their issues.
  • Services cases including loan closing and disbursements, repayments, lien/mortgage releases, and loan modification /extension request.

Requirements
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Conditions of employment
  • You must be a US Citizen or US National.
  • Males born after 12/31/1959 must be Selective Service registered or exempt.
  • Subject to satisfactory adjudication of background investigation and/or fingerprint check. If selected, you may be sent instructions on obtaining fingerprints. Please note we are unable to reimburse for any fees incurred.
  • As a condition of employment for accepting this position, you will be required to serve a 1-year probationary period during which we will evaluate your fitness and whether your continued employment advances the public interest. In determining if your employment advances the public interest, we may consider: your performance and conduct; the needs and interests of the agency; whether your continued employment would advance organizational goals of the agency or the Government; and whether your continued employment would advance the efficiency of the Federal service. Upon completion of your probationary period your employment will be terminated unless you receive certification, in writing, that your continued employment advances the public interest.
  • Direct Deposit: Per Public Law 104-134 all Federal employees are required to have federal payments made by direct deposit to their financial institution.
  • Successfully pass the E-Verify employment verification check. To learn more about E-Verify, including your rights and responsibilities, visit e-verify.gov.

Qualifications
In order to qualify, you must meet the eligibility and qualifications requirements as defined below by the closing date of the announcement. For more information on the qualifications for this position, visit the Office of Personnel Management's General Schedule Qualification Standards.
Your application and resume must clearly show that you possess the experience requirements. If education is required or being used to qualify, you must submit a copy of your transcripts.
Basic Requirement:
GS-1101:
For the GS-05 grade level: You must have one year of specialized experience equivalent to the GS-04 grade level in federal service or comparable experience not gained through federal service. Specialized experience is defined as: The ability to analyze problems to identify significant factors, gather pertinent data, and recognize solutions; to plan and organize my work; and to communicate effectively both orally and in writing.
OR
Education at the GS-05 grade level: A 4-year course of study leading to a bachelor's degree or a bachelor's degree in any field of study from an accredited college or university.
OR
Combination of Education and Experience: A combination of education and experience as listed above.
For the GS-07 grade level: You must have one year of specialized experience equivalent to the GS-05 grade level in federal service or comparable experience not gained through federal service. Specialized experience is defined as: Experience that demonstrates knowledge of basic principles, concepts, and methods of fact-finding, analysis, and problem solving techniques as they apply to investigation, analysis and evaluation of financial factors and credit risks in granting and servicing of agricultural loans. In addition, I have knowledge of and skill in applying analytical and evaluative techniques to assist in assessing the effectiveness and efficiency of farm loan program operations to make recommendations for improvements.
OR
Education at the GS-07 grade level: One full year of graduate level education in a field which demonstrates the knowledge, skills, and abilities necessary to do the work of the position, such as: One full year of graduate level education from an accredited college or university with a major in finance, business administration, economics, accounting, engineering, mathematics, banking and credit, law, statistics, or another field related to the position such as agriculture, agricultural economics, farm, livestock, farm management, ranch management, rural sociology, dairy science, domestic agricultural development or agronomy.
OR
Superior Academic Achievement (SAA): Academic Achievement must have been gained in a curriculum that is qualifying for the position to be filled, such as that identified in Education above. SAA is based on:
  1. Class Standing - Applicants must be in the upper third of the graduating class in the college, university, or major subdivision, such as the College of Liberal Arts or the School of Business Administration, based on completed courses; OR
  2. Grade-Point Average (G.P.A.) - Applicants must have a grade-point average of either (a) 3.0 or higher out of a possible 4.0 ("B" or better) as recorded on your official transcript, or as computed based on 4 years of education, or as computed based on courses completed during the final 2 years of the curriculum; or (b) 3.5 or higher out of a possible 4.0 ("B+" or better) based on the average of the required courses completed in the major field or the required courses in the major field completed during the final 2 years of the curriculum.; OR
  3. Honor Society Membership - Applicants may be considered eligible based on membership in one of the approved national scholastic honor societies listed by the Association of College Honor Societies (https://www.achsnatl.org/).

OR
Combination of Education and Experience: A combination of education and experience as listed above.
For the GS-09 grade level: You must have one year of specialized experience equivalent to the GS-07 grade level in federal service or comparable experience not gained through federal service. Specialized experience is defined as: knowledge of credit principles and practices to assess the fundamental soundness of loans by independently examining applications, supporting documents, and credit reports, and maintaining servicing activities on agricultural loans. In addition, experience applying analytical and evaluative techniques to assist in assessing the effectiveness and efficiency of farm loan program operations to make recommendations for improvements.
OR
Education at the GS-09 grade level: Master's or equivalent graduate degree or two full years of progressively higher level graduate education leading to such a degree in a field which demonstrates the knowledge, skills, and abilities necessary to do the work of the position, such as: Two full academic years of progressively higher level graduate education or master's, or equivalent graduate degree (LLB, JD, LLM, Ph.D., etc.), from an accredited college or university with a major in finance, business administration, economics, accounting, engineering, mathematics, banking and credit, law, statistics, or another field related to the position such as agriculture, agricultural economics, farm, livestock, farm management, ranch management, rural sociology, dairy science, domestic agricultural development or agronomy.
OR
Combination of Education and Experience: A combination of education and experience as listed above.
Experience refers to paid and unpaid experience, including volunteer work done through National Service programs (e.g., Peace Corps, AmeriCorps) and other organizations (e.g., professional, philanthropic, religious, spiritual, community, student, social). Volunteer work helps build critical competencies and can provide valuable training and experience that translates directly to paid employment. You will receive credit for all qualifying experience, including volunteer experience.
Time-in-Grade Requirement: If you are a current federal employee in the General Schedule (GS) pay plan and applying for a promotion opportunity, you must meet time-in-grade (TIG) requirements of 52 weeks of service at the next lower grade level in the normal line of progression for the position being filled. You must meet this requirement by the closing date of this announcement.
Education
This job does not have an education qualification requirement.
College Transcript: If qualifying based on education, you must submit a copy of your college transcript with course number and department (i.e., Bio 101, Math 210, etc.), course title, number of credit hours, and grade earned. If a relevant course is not clearly qualifying (e.g., special topic, seminar, research, thesis, obscure or misleading course title, etc.), please submit an official course syllabi and/or detailed course description from the university/college to ensure proper evaluation.
Your education must have been successfully obtained from an accredited school, college or university recognized by the U.S. Department of Education to be credited toward qualifications. You may verify accreditation by visiting the U.S. Department of Education Database of Accredited Postsecondary Institutions and Programs website. We will verify your education accordingly.
Foreign Education: You must submit verification that education completed in a foreign institution, was recognized by an accreditation body accepted by the U.S. Department of Education. You must include a Certificate of Foreign Equivalency with your transcript. There are private organizations that specialize in this evaluation and a fee is normally associated with this service. For a list of private organizations that evaluate education, visit the National Association of Credential Evaluation Services (NACES) website. Your transcripts must be in English or include an English translation.
You may submit an unofficial copy of your transcript at the initial phase of the application process. However, if selected, you will be required to submit official transcripts prior to entering on duty. Please refer to the "How to Apply" section for instructions on submitting transcripts.
Additional information
Career Transition Assistance Plan (CTAP) or Reemployment Priority List (RPL): Visit the OPM website for information on how to apply as a CTAP, RPL, eligible. To exercise selection priority for this vacancy, CTAP/RPL candidates must meet the basic eligibility requirements and all selective factors. CTAP candidates must be rated and determined to be well qualified (or above) based on an evaluation of the competencies listed in the How You Will Be Evaluated section. When assessed through a score-based category rating method, CTAP applicants must receive a rating of at least 85 out of a possible 100.
Farm Service Agency (FSA) County Employees: Permanent County employees without prior Federal tenure who are selected for a Civil Service position under Public Law 105-277 will be given a career-conditional appointment and must serve a 1-year probationary period.
Reasonable Accommodation (RA) Requests: If you believe you have a disability (i.e., physical or mental), covered by the Rehabilitation Act of 1973 as amended that would interfere with completing the USA Hire Competency Based Assessments, you will be granted the opportunity to request a RA in your online application. Requests for RA for the USA Hire Competency Based Assessments and appropriate supporting documentation for RA must be received prior to starting the USA Hire CompetencyBased Assessments. Decisions on requests for RA are made on a case-by-case basis. If you meet the minimum qualifications of the position, after notification of the adjudication of your request, you will receive an email invitation to complete the USA Hire Competency Based Assessments, based on your adjudication decision. You must complete all assessments within 48 hours of receiving the URL to access the USA Hire Competency Based Assessments if you received the link after the close of the announcement. To determine if you need a RA, please review the Procedures for Requesting a Reasonable Accommodation for Online Assessments. (https://appsupport-usastaffing.opm.gov/hc/en-us/sections/45063131363475-Reasonable-Accommodation-Information)
Promotion Potential: If you are selected for a position with further promotion potential, you will be placed under a career development plan, and may be non-competitively promoted if you successfully complete the requirements and if recommended by management. However, promotion is neither implied nor guaranteed.
Telework: This position is eligible for telework as determined by the agency policy.
Incentives: Recruitment and/or relocation incentives may be authorized.
Bargaining Unit: This is a non-bargaining unit position.
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Candidates should be committed to improving the efficiency of the Federal government, passionate about the ideals of our American republic, and committed to upholding the rule of law and the United States Constitution.
Benefits
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