We know what you're thinking. "What kind of name is IncredibleBank?"

Well, we're glad you asked.

With a name like IncredibleBank, we have a lot to live up to. Our name is a promise we make every day to our customers and to our team members (and hey, that could be you!). A promise that we strive to be incredible in everything we do. A promise that will help our customers, fellow team members, and our communities to do the incredible.

At IncredibleBank, we're all about ICE. What's ICE? ICE stands for Incredible Customer ExperienceTM (that's right - an experience so good and so important we trademarked it). ICE illustrates the core values that drive everything we do - how we conduct business, how we treat each other, and how we continuously strive to build on our model of customer-focused banking. Our core values have been in place for more than 50 years and continue to influence every aspect of our operation today.

So - how can you help us live up to our name?

About the Role

We are eager to discuss the prospect of you joining our team as our next incredible team member!

This position allows you to partner with other team members and key stakeholders to provide Incredible Customer Experiences of your own! Duties and responsibilities may include:

• The SBA Closer & Construction Specialist manages loan processing, closing, and construction monitoring with full ownership for guaranty-risk mitigation, regulatory interpretation, and complex structural decisions that protect both the SBA guaranty and the bank's risk exposure.
• Ensure SBA 7(a) loans are closed in full compliance with federal and state regulations, SBA Standard Operating Procedures, and bank policies.
• Coordinate with borrowers, brokers, and business banking officers to obtain required SBA documentation, negotiating complex documentation variances and resolving high-risk issues impacting guaranty eligibility or lien perfection.
• Collaborate with business banking officers and underwriters to identify and resolve issues that may impact SBA guaranty eligibility or delay processing proactively addressing compliance or structural concerns before closing.
• Order, collect, and review closing documentation, including title work, insurance, collateral descriptions, UCC searches, invoices, and bills of sale and negotiate changes with legal counsel, title partners, or counterparties to ensure enforceability and risk mitigation.
• Coordinate loan closings and funding disbursements with title companies, escrow agents, and legal counsel to ensure proper execution, receipt of funds, and lien perfection.
• Lead or coordinate pre- and post- closing QA reviews owning exception root-cause analysis and corrective-action plans with measurable targets.
• Administer all commercial and residential construction draws, ensuring disbursements are processed accurately and timely including heightened oversight for high-risk, over-budget, or delayed projects.
• Approve general contractors and maintain the bank's approved contractor list to support sound contractor vetting and risk management practices.
• Order and coordinate inspections and foundation surveys to verify construction progress and confirm compliance with approved plans; analyze inspection variances and implement corrective actions or funding holds as required.
• Verify that required construction related insurance coverage including Builders Risk, General Liability, Workers' Compensation is in force and enforce mid-project compliance checks with cure timelines and escalation paths.
  
• Prepare monthly construction status reports and provide ongoing updates to management and key partners regarding project progress, risks, and emerging issues.
• Support the development, documentation, and ongoing maintenance of department procedures and lead process-reengineering initiatives, control enhancements, and policy revisions to reduce exception rates and cycle times.
• Participate in ongoing SBA training and education to remain current on SBA program changes, SOP updates, and regulatory guidance, ensuring practices remain aligned with evolving requirements.

This is a regular full-time salaried exempt position, averaging approximately 40 hours/week. Schedule may vary by time zone, Monday through Friday.

This position is remote eligible. Individuals may choose to work from a designated home office space.

About You

You do what is right over what is easy. You don't settle for good enough. You're driven to learn and grow. You recognize your impact on the customer experience, regardless of your role.

Those attributes are just a few things our incredible employees have in common.

And, if you are looking for an opportunity to join a dynamic team, we'd be so excited to learn a little more about you and your interest in joining the team! Our recommended and preferred qualifications are:

• Bachelor's degree from an accredited four-year college or university and a minimum of 10-15 years of experience in SBA loan closing and construction lending with substantial experience leading complex, multi-layered SBA 7(a) transactions, resolving escalations, and influencing policy.
• Demonstrated experience closing complex multi-layered SBA 7(a) loans including high-risk structures, special-use collateral, and change-of-ownership transactions, proven track record of guaranty preservation.
• Demonstrated familiarity with advanced SBA SOP interpretation, applying its requirements to complex loan structures, eligibility determinations, and closing documentation.
• Expert level proficiency in SBA CAFS (E Tran), loan origination platforms, and portfolio/analytics tools (e.g., advanced Excel, data visualization) required; ability to build and interpret pipeline and exception dashboards.
• NAGGL Advanced Lender / Advanced Closing / Advanced Servicing certifications strongly preferred.
• Construction risk certification (e.g., CCRM) or equivalent preferred.
• PMP or formal project/change management training a plus.
• A strong collaborator who influences cross functional decision making, contributes to policy development, and provides constructive feedback/leadership across teams.
• Strong relationship-building skills to collaborate effectively with business banking officers, underwriters, attorneys, title companies, and/or borrowers.
• Proven ability to manage competing deadlines and high-volume workloads while maintaining a high attention to detail, organization and resourcefulness.

About Our Benefits and Compensation

Our promise of ICE extends to our employees as well. Our employees are our greatest asset, and we strive to show our appreciation by offering top-tier benefits and, dare we say, more than competitive compensation that we're willing to discuss up front.

And we are constantly evaluating and improving our benefits. In fact, eligible employees receive over 30 days off per calendar year! That includes 18 days of PTO to begin, PLUS an Anniversary Holiday, Birthday Holiday, Wellness Holiday, and 12 observed Bank Holidays.

Check out our total rewards package at: https://incrediblebank.mybenefitsapp.com/

About the Company

IncredibleBank first started in 1967 as River Valley Bank with a single location in Rothschild, WI. And we may have strong roots in community banking, but IncredibleBank wasn't awarded as one of America's Most Innovative Banks by the Independent Community Bankers of America for our popcorn Fridays. Though we do love free popcorn...

We strive to stay on the leading edge of banking technology with the goal providing the best, simplest way for our customers across the country to do their banking. But if our customers need us, they can pick up the phone and talk to a real person. And that's what makes us America's first national online community bank. And who doesn't love the idea of a national community?

Today, IncredibleBank is a $2.0 billion-asset institution that has grown to 17 brick-and-mortar locations with customers in all 50 states. But we know that as an employer, it's less about size than it is about culture. That's why we're especially proud to have been certified as a Great Place to Work.

Learn more about our Great Place to Work engagement results here: https://www.greatplacetowork.com/certified-company/7022621

IncredibleBank is an Equal Opportunity Employer. We will consider applicants for our positions without regard to any category protected by applicable federal, state, or local law, including but not limited to: race, color, religion, sex, gender identity, sexual orientation, pregnancy, age, national origin, physical or mental disability, military or veteran status, genetic information, or any other protected classification.