Quality Assurance Officer

Climate First Bank•St. Petersburg, FL

6d•Remote

About The Position

We are looking for a Quality Assurance Officer who will lead SBA quality control efforts for Climate First Bank’s SBA Lending Department. In this role, you’ll help ensure SBA lending activity is accurate, compliant, well-documented, and aligned with SBA SOP requirements, internal credit policies, and applicable banking regulations from origination through funding, post-closing, and portfolio transition.

Requirements

High school diploma required; Bachelor’s degree preferred.
Minimum of 5 years of experience working with SBA loan guidelines, processes, documentation, and/or quality control.
Sound understanding of SBA SOPs, SBA lending guidelines, banking regulations, and internal credit policy expectations.
Proficiency with Microsoft Office Suite, including Excel, Word, and Outlook.
Ability to work independently in a remote environment while contributing to a collaborative team effort.
Entrepreneurial Self-Starter - You take charge of your work product and take pride in delivering consistently great and measurable results. You solve problems efficiently, identify risks before they become larger issues, and bring an analytical, detail-oriented approach to quality control and compliance. A high-pace and high-performance environment excites you and you thrive on defined expectations.
Organization & Efficiency - You manage your time like a pro and stay focused under pressure. You love a good system but also adapt to changing routines. You’re a master note-taker and checklist fanatic and stay on top of things with ease and consistency.
Master Communicator - You communicate with confidence, precision, and professionalism. You listen deeply, document clearly, and respond thoughtfully while engaging stakeholders at all levels efficiently and tactfully. You build trust through accuracy, follow-through, and practical recommendations.
Banking & SBA Acumen - You are highly knowledgeable in SBA lending requirements, SBA SOP guidance, loan documentation, servicing and origination processes, and applicable federal banking requirements. You understand how quality control, credit policy, documentation, and regulatory expectations work together to protect the Bank, borrowers, and guaranty compliance.
Tech-Forward and Analytical Thinking - You learn new tools quickly, are excited by innovation, and leverage technology to create efficiencies. You use data, exception tracking, reporting, and trend analysis to identify root causes and recommend practical process improvements.
Commitment to Being a Team Player - You lift others up, share ideas, and bring positive energy to everything you do. You know how to operate as a part of a larger team and love contributing to the big picture. You’re dependable and always happy to lend a hand where needed.

Responsibilities

Perform independent quality control reviews for SBA loan files to verify compliance with SBA SOPs, bank policies, credit approval requirements, and regulatory standards.
Review loan files for accuracy, eligibility, documentation completeness, guaranty compliance, and adherence to internal lending requirements.
Maintain strong working knowledge of SBA SOP 50 10 and SBA SOP 50 57, including origination, servicing, documentation, and post-closing expectations.
Identify documentation deficiencies, compliance exceptions, operational risks, and recurring trends in quality findings.
Provide clear recommendations for corrective action and process improvements that reduce repeat issues and strengthen controls.
Maintain quality control reporting and exception tracking to support timely resolution of identified issues.
Support internal and external examinations, regulatory reviews, independent audits, and related information requests.
Collaborate with credit analysts, loan officers, closers, borrowers, and other internal stakeholders to resolve documentation, disbursement, and compliance matters.
Coordinate effectively across teams to ensure accuracy and compliance from originations to portfolio management.
Adopt a commitment to environmental, social, economic, and racial justice.
Stay informed of applicable regulatory requirements and complete all mandatory compliance and IT training.
Pursue and demonstrate an understanding of established Bank policies, procedures, and regulations.
Question suspicious activity and collaborate closely with the respective department(s) to help prevent fraudulent activity.

Benefits

Annual bonus, incentives and equity
Medical, Dental & Vision Insurance
Health Savings Account (HSA)
Free Telemedicine access via Teladoc
401(k) with 6% Employer Match — No Vesting Period.
Employee Stock Options
Exclusive Employee Banking Perks
0% Financing for Employee Solar Loans
Employee Only Mortgage Product with exclusive interest rates and terms.
0% Financing for Eligible Electric Vehicles (EVs)
Referral Incentives
2–4 Weeks of Vacation based on officer level plus additional tenure-based time.
64 Hours of Paid Sick Time for all full-time employees.
Company-Paid Life Insurance
Short- & Long-Term Disability Insurance
Voluntary Life, Accident & Critical Illness Coverage
Employee Assistance Program (EAP) with free counseling, legal, and financial services.