SBA Closing Associate - Charlotte, NC

First National Bank; Charlotte (NC); On-site; USD 55,000 - 65,000; Full time

Job summary

F.N.B. Corporation (FNB) seeks an SBA Closing Associate in the Commercial Banking group to act as liaison among SBA, the Bank, vendors, attorneys and customers on loan closing issues.

You will screen and monitor loan documentation, prepare exceptions, and ensure proper imaging and filing across SBA and Bank systems. The role emphasizes accuracy, regulatory compliance, and coordination with closing attorneys and internal teams.

Qualifications

• High School or GED required.
• 1 year of related experience (2 years preferred).
• Paralegal training/experience a plus.
• Excellent written and verbal communication.

Responsibilities

• Prepares legal and credit files and assists SBA Closer 1 and SBA Closer 2 with administrative functions.
• Inputs all SBA and USDA loans into SBA Lending systems.
• Confirms loans boarded and booked correctly.
• Handles third party fee tracking and GL reconciliations.
• Imaging of documentation in Bank and SBA systems.
• Maintains tickler system for deeds, titles, UCC, insurances, etc.
• Conducts post-closing lien searches and post-closing audits.
• Ensures timely payment of SBA Guaranty Fee.
• Evaluates third-party vendor documentation (UCC, lien, flood searches).
• Performs other duties and projects as assigned.
• Supports risk management per the company’s risk management program.

Skills

Written communication

Organizational skills

Analytical ability

Interpersonal skills

Education

High School or GED

Tools

MS Word

MS Excel

Job description

Overview

Position Title: SBA Closing Associate

Business Unit: Commercial Banking

Reports to: SBA Closing Manager

This position is primarily responsible for serving as the internal and external liaison between the Small Business Administration (SBA), the Bank, third-party vendors, attorneys and customers related to all loan closing issues. The incumbent serves as the checks and balances of the closing function for the SBA Lending group. The incumbent prepares and monitors a loan exception report in addition to other operational duties of the SBA Lending group.

Responsibilities

• Prepares legal and credit files and assists the SBA Closer 1 and SBA Closer 2 positions with administrative functions.
• Inputs all SBA and USDA loans into various systems utilized by the SBA Lending group.
• Confirms all SBA loans have been boarded and booked correctly.
• Handles third party fee tracking and third party fee GL reconciliations.
• Is responsible for proper imaging of documentation in the Bank and SBA systems.
• Maintains tickler system for deeds, titles, Uniform Commercial Code (UCC), insurances, financial statements, etc. to support Portfolio Manager functions. Identifies and tracks documentation exceptions for the initial 90 days of each loan.
• Conducts post-closing lien searches, coordinating with the closing attorney or performing the searches in-house. Conducts post-closing audits on all new loans to ensure accuracy of loan documentation, lien positions, etc.
• Ensures payment of SBA Guaranty Fee within the SBA-required time frame.
• Evaluates third-party vendor documentation such as UCC and lien searches and flood searches.
• Performs other related duties and projects as assigned.
• Supports risk management by understanding, reporting, responding to, managing and monitoring risk as required by the company’s risk management program.

Qualifications

• Minimum Education: High School or GED
• Minimum Experience: 1 year of job-related experience (2 years preferred in related field; paralegal training/experience a plus)
• Skills: Excellent written and verbal communication; strong organizational, analytical and interpersonal skills; detail-oriented; ability to multi-task in a fast-paced environment; proficiency with general office equipment; ability to use a computer and job-related software; MS Word – Intermediate; MS Excel – Intermediate.
• Licenses/Certifications: N/A
• Physical Requirements or Work Conditions: N/A

Equal Employment Opportunity (EEO)

It is the policy of F.N.B. Corporation (FNB) and its affiliates not to discriminate against any employee or applicant for employment because of age, race, color, religion, sex, national origin, disability, veteran status or any other category protected by law. It is also the policy of FNB and its affiliates to employ and advance in employment all persons regardless of their status as individuals with disabilities or veterans, and to base all employment decisions only on valid job requirements. FNB provides all applicants and employees a discrimination and harassment free workplace.

FNB will not provide sponsorship for employment-based visas for this position; only candidates who are legally authorized to work in the U.S. will be considered.