Quality Assurance Officer

About this role

We are changing FINANCE to finance CHANGE!

At Climate First Bank, we’re redefining what banking can be. As a Florida Benefit Corporation and FDIC-insured commercial bank, we offer a full suite of personal and business services—including solar, residential, commercial, ESOP Banking, Structured Finance and SBA loans—all designed to power a better future. We’re proud to be a Certified B Corporation, a member of 1% for the Planet, and part of the Global Alliance for Banking on Values (GABV), reflecting our deep commitment to sustainability, transparency, and ethical banking.

With branches in St. Petersburg, Winter Park, Mount Dora, and a growing digital presence, we’re proving that banking can be a force for good. We don’t just support environmental and social causes—we’re built on them.

Under our Holding Company, Climate First Bancorp, we are also powered by OneEthos. OneEthos operates at the intersection of fintech and traditional banking to expand access to inclusive, values-driven financial services. Regulated by the Federal Reserve Bank, it equips Community Banks, Credit Unions, CDFIs, and Green Banks with ethical lending tools—especially in climate finance and solar lending.

Join the Movement

We’re seeking driven, mission-aligned individuals ready to make an impact. If you’re passionate about sustainability, thrive in a fast-paced, results driven environment, and want to be part of something bigger, you will feel right at home.

Our team is one of goal-setters, go-getters, problem solvers, thought leaders, and changemakers. We celebrate wins, tackle challenges head-on, and push boundaries. Fueled by purpose, we thrive where perseverance and passion turn ambitious goals into reality.

Thrive at Climate First Bank

At Climate First Bank, we’re investing in your future. We offer a comprehensive, people-first benefits package that supports your health, finances, and work-life balance.

Compensation — In addition to the base salary, this position may be eligible for an annual bonus, incentives and equity. Actual compensation is based on industry salary ranges, internal salary structures, experience, skills and other job-related factors.

Health Coverage — 100% employer-paid for employees; employer contribution for dependents by Us

• Medical, Dental & Vision Insurance

• Health Savings Account (HSA)

• Free Telemedicine access via Teladoc

Financial Wellness & Wealth Building

• 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

Generous Paid Time Off

• 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.

Protection & Peace of Mind

• 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.

Now Hiring: Quality Assurance Officer

We’re 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.

What You’ll Contribute:

SBA Quality Control & Compliance

• 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.

Risk Identification & Corrective Action

• 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.

Audit, Examination & Stakeholder Support

• 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.

Champion Our Mission, Protect What Matters

• 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.

What Makes a Stand-Out Candidate:

Experience & Education

• High school diploma required; Bachelor’s degree preferred.

• 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…