Loan Closing Manager

About CSB:

Coastal States Bank was founded on the relationships we build with each other and the communities we serve. At Coastal States Bank, we seek dedicated individuals who will strive to be a part of our growth and achieving our values.

CSB values the collaboration, connection, and team engagement that come from working together in person. We have found that face-to-face interactions foster stronger connections, enhance communication, and contribute to a more cohesive and productive team culture. While this position is not fully remote or hybrid, the work location is flexible based on the commute to a CSB location. We hope this option provides a reasonable balance while still supporting the collaborative environment that is important to our organization.

This position requires full-time hours Monday through Friday. This position is not fully remote or hybrid. Pay is commensurate to experience in banking experience. Only qualified candidates will be contacted.

Benefits Include:

401(k) & Company Match

AD&D insurance

Bankers School Career Planning

Dental Insurance

Disability Insurance

Employee Assistance Program

Flexible Spending Account

Medical Insurance

Health Savings Account

Life Insurance (Dependents & Spouse)

Paid Family Medical Leave

Paid Federal Holidays

Paid Time Off

Referral program

Vision Insurance

https://www.coastalstatesbank.com/about-us/careers

About the Role:

The Loan Closing Manager is a hands-on leader and key driver of the loan closing process, serving as both a functional expert and team manager. This role is responsible for overseeing daily loan closing operations, ensuring an efficient, compliant, and customer-focused experience for internal and external partners. As a working manager, the Loan Closing Manager not only leads and supports the closing team but also actively performs complex loan closing functions across commercial, consumer, and residential mortgage products.

The ideal candidate excels at bringing transactions across the finish line-coordinating document preparation, managing closing activities, and partnering with lenders, attorneys, customers, and other stakeholders to ensure seamless execution. With accountability for workflow management, team performance, and regulatory compliance, this role combines strong leadership, operational oversight, and subject matter expertise to deliver accurate, timely loan closings and exceptional service throughout the process.

The Loan Closing Manager is responsible for customer support for a variety of internal and external audiences. This person will manage daily loan closing workflow and team support while also performing loan closing functions for commercial, consumer, and residential mortgage loans to include document preparation and coordination of closings with all interested parties to ensure compliance with applicable policies, procedures and regulations.

Essential Functions:

• Functions as a working loan closer for consumer, commercial and mortgage loan closings, including but not limited to, coordinating closing dates, document preparation, ensuring all closing conditions are satisfied or waived, perfecting collateral liens, boarding loans, and performing maintenance for renewals or modifications.
• Manages daily loan closing workflow, prioritizes closing assignments, provides guidance to loan closing team members, and serves as the first point of escalation for closing, documentation, collateral, and system boarding questions.
• Responsible for developing and managing quality assurance reviews of closing packages, loan boarding, and GL transactions pre-closing and post-closing (such as recorded mortgages and final title policies). Ensures loans are booked appropriately to core systems and all packages are complete.
• Oversees complex system maintenance/transaction posting.
• Reviews closing work for accuracy, completeness, regulatory compliance, and timely follow-up; provides feedback and coaching to support consistent closing quality.
• Provides coaching and mentoring for the Closing team for growth and training opportunities.
• Conducts timely performance evaluations.
• Periodic travel will be required. Assists with audit preparation, document exception tracking, and clearing of exceptions as directed.
• Acquires and maintains knowledge of applicable banking regulations.
• Ensures procedures are accurately documented in compliance with departmental policy, practices, and regulations.
• Participates in on-going training to develop further knowledge of the industry and changes that affect department.
• Reviews loan reports as needed.
• Cross trained to provide back-up and assistance with all loan servicing functions, as required.
• Contributes to the bank team effort by working on special projects and reports, performing other bank-related duties, at the discretion of the Supervisor.

Critical Success Factors:

• Leadership, Coaching, and Accountability
• Self-Motivated Working Manager and Team Player
• High Attention to Detail
• Organizational Skills and Multi-Tasking
• Works within time-constraints
• Strong Ethics
• Strong analytical and problem-solving skills
• Excellent Written and Oral Communication Skills
• Work Independently while Managing and Supporting Others

Preferred Education/Experience/Software:

Two or four-year degree preferred, high school or equivalent degree required. A minimum of 7+ years of banking, loan documentation, loan closing, or related lending operations experience required, or an equivalent combination of education and experience may be acceptable. Prior supervisory, team lead, workflow management, or quality assurance experience is required. Completes diverse deadline driven tasks. Works with highly sensitive and confidential information. Acts as a resource to other internal staff. Knowledgeable in a wide range of Microsoft Office software applications to develop spreadsheets, templates, and reports is required. Proficient with Fiserv Premier, Compliance One/Expere, Fiserv Director and other necessary bank platforms.

Additional Requirements:

The responsibility to acquire and maintain the required knowledge of State and Federal Banking regulations, policies, and loan closing requirements. A Firm understanding of commercial real estate, consumer regulations such as Reg Z, TRID and Flood.

Training:

Responsible for the timely completion of all required compliance training such has BSA, Information Security, and other job specific training as assigned. Assists with training, coaching, and development of assigned loan closing staff.

Work Environment/Physical Demands:

Professional office environment. While performing the duties of this position, the team member is regularly required to operate standard office equipment. The team member is frequently required to communicate and perceive. The position is primarily stationary and not substantially exposed to adverse environmental conditions and requires sedentary work such as exerting up to 10 pounds of force 5% of the time and a negligible amount of force approximately 95% of the time.