SBA Senior Loan Packaging & Closing Specialist

Job Summary

This position is responsible for the loan processing (packaging and closing) of all SBA and USDA loans. It works closely with the SBA Lending Team, attorneys, third‑party vendors, and other internal departments to process, close, and manage the SBA relationships with the highest degree of program compliance. The incumbent provides administrative support relative to SBA loan origination and closing and leads communication with clients, borrowers, brokers, government entities and other parties exercising discretion and judgment.

• Manage the Commercial Loan Pipeline (CLP) record after initial entry by the Relationship Manager and monitor and update status through each phase of the process.
• Assist in the collection and review of required application and financial documents to establish the SBA Borrower Checklist.
• Maintain the SBA Client File in accordance with the bank's file folder structure and ensure documentation is saved to the appropriate subfolders using the bank's naming conventions.
• Draft, review, and manage the SBA Borrower Checklist, SBA Forms including Forms 1919 and 159, Loan Authorizations, ETRAN Terms and Conditions, and Loan Commitment Letters.
• Ensure loans are closed in compliance with the bank's and SBA's policies and procedures.
• Review approved SBA and/or USDA credit application packages to determine due diligence and documentation necessary to ensure proper collateral position and compliance with Authorization, ETRAN Terms and Conditions, and applicable SOPs.
• Ensure timely processing of loan packages, ordering of required reports (site inspections, real estate appraisals, environmental reports, business valuations, flood determinations, OFAC, SAM, CIP, Beneficial Ownership Certification, required insurance documentation, Secretary of State entity verification, organizational documents, trust agreements and HMDA reporting requirements).
• Ensure timely packaging, ETRAN data entry and submission of loan applications to SBA for approval via PLP (delegated) or GP (non‑delegated) processing.
• Update the CLP as items are completed, utilizing the SBA Borrower Checklist; provide frequent status updates to Borrower and SBA Relationship Manager.
• Engage Home Trust Bank approved counsel for loan documents; coordinate ordering of UCC searches and title work, review these for accuracy and adherence to the bank's loan approval and SBA terms and conditions.
• Prepare necessary internal documents prior to closing.
• Approve and disburse funds per the final approved Settlement/Closing Statement, including verification of wiring instructions and initiate wires for disbursements.
• Reconcile good faith deposits correctly at closing.
• Perform post‑closing review of original executed loan documents for accuracy and completeness.
• Ensure CLP is up to date for onboarding and notify the SBA Loan Servicing Team when the loan is ready for onboarding.
• Participate in and contribute to bi‑weekly departmental meetings and weekly pipeline meetings.
• Ensure Broker/Referral Agreement and invoice are on file prior to closing; ensure necessary SAM searches on broker firm and individual agent and SBA Form 159 are completed prior to closing.
• Provide superior customer service with the end goal to serve the client's needs.
• Manage all facets of the loan transaction from origination to boarding.
• Maintain confidentiality and security of sensitive information.
• Adhere to all corporate policies and procedures, Federal and State regulations, and laws.
• Complete all mandatory compliance training.
• Follow regulatory requirements, including those pertaining to the Bank Secrecy Act (BSA), Anti‑Money Laundering (AML), Customer Identification Program (CIP), and OFAC to assist in the identification, detection and deterrence of money laundering and other unlawful activities, as well as regulations pertaining to lending and consumer compliance including fair lending laws.
• Perform other duties and special projects as assigned.

• High school diploma or equivalent required.

• 5+ years of loan processing experience, with 2+ years in SBA packaging/closing.
• Experience in reviewing title work / title…