Senior Closing Officer – Specialty Products (SBA 7a Construction)

MMC Group is hiring for a high-level Senior Closing Officer, on behalf of our client in the SBA lending space, to spearhead the execution of our most complex specialty loan products. This isn't a standard high-volume processing role; we need a technical expert who thrives on the intricacies of SBA 7a Construction and Renovation lending.You will be the primary lead for franchise build-outs, navigating the multi-layered requirements of construction disbursements while ensuring every file is audit-ready and fully compliant with the latest SOP guidelines.Key Responsibilities:Specialized Closing Management: Drive the end-to-end closing process for complex SBA 7a loans, specifically focusing on ground-up construction and major renovations for franchise startups.Construction & Documentation Oversight: Review and approve technical documentation, including AIA contracts, architect agreements, performance bonds, and lien waivers.Compliance Authority: Ensure 100% adherence to SBA SOPs (including Forms 1919, 159, and 912), specifically validating use of proceeds and collateral positioning for construction-to-perm financing.Project Coordination: Act as the central hub between borrowers, franchise brands, general contractors, and title partners to manage complex funding timelines and draw schedules.Risk & Quality Control: Analyze insurance requirements (Builder’s Risk) and environmental reports to protect the bank’s interest during the renovation phase.Mentorship: Serve as a subject matter expert for the team, providing guidance and peer reviews for junior staff on specialty product nuances.Mandatory Requirements:Construction Expertise: You must have a proven track record closing SBA 7a Construction or Renovation loans. Applications without specific construction/renovation experience will not be considered.SBA Tenure: 5–7+ years of dedicated SBA 7a closing experience.Technical Knowledge: Deep understanding of SBA SOP eligibility, leasehold improvements, and the specific mechanics of franchise build-outs.Detail Orientation: Ability to reconcile complex settlement statements, escrow instructions, and multi-stage wire requests with zero margin for error.Qualifications:Strong grasp of financial statements, collateral documentation, and legal/closing processes.Proficiency in loan origination systems (LOS) and digital document workflows.Excellent communication skills—capable of guiding first-time franchise owners and contractors through the SBA’s rigorous requirements.Bachelor’s degree in Finance, Real Estate, or Business Administration preferred.Compensation & Benefits:Base Salary: $80,000 – $100,000 based on experience.Bonus: Performance-based incentive structure.Comprehensive Benefits: Medical, Dental, Vision, and 401(k) with company match.Work-Life Balance: Hybrid schedule based out of our Irving, TX office.Development: Clear paths for career advancement into management or senior operations leadership.