SBA Post Close Auditor

Job Title

Coordinates the review and audit of completed SBA and business banking loan packages post-closing in compliance with policies and procedures, regulatory guidelines, and investor standards by gathering and reviewing necessary documents and information within designated time frames. Communicates with internal staff, customers/clients, lenders, SBA partners, counsel, and other stakeholders to respond to inquiries, resolve post-close exceptions, and obtain additional documentation needed to complete the file.

Ensures compliance with internal policies, SBA SOP requirements, regulatory and investor requirements, and quality control standards. Reviews files for completeness, accuracy, and adherence to SBA eligibility, documentation, and closing requirements. Identifies documentation deficiencies, collateral exceptions, or compliance gaps and works to resolve or escalate issues as appropriate. May support post-close audit reporting, file certification, and reconciliation activities, including reviewing final loan terms, fees, and disbursements for accuracy.

Basic Qualifications

• High school diploma or equivalent
• Typically four to six years of relevant experience

Preferred Skills/Experience

• Thorough knowledge of legal documents used to support applicable loan processing, with emphasis on SBA and business banking documentation
• Ability to identify and resolve/escalate complex problems with minimal guidance
• Ability to apply critical thinking for all elements of loan documentation construction and post-close audit review
• Ability to master the bank's documentation and audit software
• Thorough knowledge of closing policies and procedures, funding policies, underwriting requirements, SBA guidelines (SOP), governmental requirements, terminology, and automated processing systems
• Thorough knowledge of applicable credit policies and approval processes for assigned product(s)
• Ability to work effectively and accurately in a fast paced, high production, professional environment
• Strong organizational skills
• Effective verbal and written communication skills

If there's anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants.

Our approach to benefits and total rewards considers our team members' whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following:

• Healthcare (medical, dental, vision)
• Basic term and optional term life insurance
• Short-term and long-term disability
• Pregnancy disability and parental leave
• 401(k) and employer-funded retirement plan
• Paid vacation (from two to five weeks depending on salary grade and tenure)
• Up to 11 paid holiday opportunities
• Adoption assistance
• Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

Review our full benefits available by employment status here.

U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.

E-Verify

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program.

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $22.69 - $30.24

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.

Posting may be closed earlier due to high volume of applicants.