Celtic Bank

Auditor

• Orchestrate an audit program analyzing credit portfolio and administrative risks through regular testing activities. Developing evaluation strategies to address varied credit profiles encompassing credit underwriting, portfolio management, and documentation approaches.
• Compile, interpret, and report leading performance metrics used to monitor portfolio health.
• Regularly review and evaluate loan [pool] quality, including underwriting standards and credit policy adherence, collateral adequacy, and borrower performance trends.
• Review credit files in evaluation of borrower financial stability, cash flow capacity, and collateral quality; identifying shortfalls that could lead to future debt-servicing weaknesses.
• Periodically assess loan portfolios of varied characteristics ensuring consistent, appropriate risk grades are maintained with timely grade changes occurring as necessary.
• Work with senior management to develop strategies for managing identified problem loans, including determining corrective actions needed and providing recommendations.
• Prepare and present management reports covering loan quality, risk concentrations, loan classifications, and other performance metrics to Board Committee Directors and executive management.
• Provide credible challenge, offer solution recommendations, and influence action(s) taken based on sound conclusions.
• Collaborate cross-functionally with various teams involved in lending processes to identify and address concerns, while facilitating enhancement of processes or systems.
• Maintain the necessary independence of loan production and credit review processes conducted within the business ensuring impartiality of risk assessment and loan analysis activities.
• Remain current with regulatory requirement changes, industry best practices, and economic trends impacting the broader credit environment.

Auditor Manager

IT Support

• Provide technical assistance and support for hardware, software, and network related issues in a timely and professional manner.
• Troubleshoot and resolve incidents involving workstations, mobile devices, printers, and peripheral equipment.
• Assist with the identification, documentation, and escalation of potential security risks in accordance with departmental procedures.
• Perform computer imaging and deployment, including operating system installation, configuration, and setup.
• Support user account lifecycle activities utilizing Okta, Active Directory, and Intune Company Portal.
• Provide technical support for Windows 11, Android, and iOS devices.
• Assist with patching and device management activities through BigFix.
• Maintain accurate documentation of support activities, procedures, and system configurations.

Helpdesk Admin

Compliance

• Monitor and interpret Visa, Mastercard, American Express, and Discover operating regulations, ensuring timely implementation of rule changes affecting merchant acquiring and PayFac programs.
• Assess merchant acquiring products, PayFac structures, and transaction flows for adherence to card network requirements, including:
• - Merchant onboarding and underwriting standards.
• - MCC assignment and monitoring.
• - Prohibited and high‑risk merchant activity.
• - Payment facilitator and ISO sponsorship requirements.
• Serve as a subject matter expert for card network compliance inquiries from business, operations, and partner teams.
• Conduct periodic card network risk assessments covering operational, compliance, and reputational risk.
• Support development and maintenance of key risk indicators (KRIs) related to merchant acquiring.
• Monitor network‑defined risk programs and escalate issues as appropriate.
• Track, investigate, and remediate card network compliance findings, rule violations, or partner deficiencies.
• Collaborate with operations and product teams to implement sustainable remediation and control enhancements.
• Support oversight of ISOs, PayFacs, payment processors, and other acquiring‑related third parties.
• Maintain and enhance card network compliance policies, procedures, and control documentation.
• Provide guidance and training to internal teams on card network rules and merchant acquiring risk.

Merchant Acquiring Risk & Compliance Manager

Artificial Intelligence

• Assists leaders end‑to‑end with AI use‑case design, solution options, deployment, scaling, and ongoing maintenance
• Drives training and adoption to build AI capability and literacy across the organization
• Facilitates the AI Working Group, translating strategic direction into coordinated execution
• Establishes and maintains the Bank’s AI framework, including standards, guardrails, and operating principles
• Recommends approved AI tools and vendors
• Acts as a hands‑on builder and deployer of AI solutions and automations
• Ensures AI use aligns with risk, regulatory, and data standards, partnering closely with Technology, Risk, and Compliance

AI Solutions Lead – Execution Enabler

Manager

• Manage daily cash positioning, liquidity planning, and forecasting to ensure sufficient funding for merchant settlements and operational needs.
• Oversee bank accounts, payment flows, and treasury controls related to merchant and partner funds.
• Develop short- and long-term cash forecasts aligned with transaction volumes and growth projections.
• Establish and maintain treasury controls to safeguard merchant and company funds.
• Optimize working capital and recommend funding strategies as network relationships expand.
• Partner with Finance leadership on reporting, analysis, and treasury strategy.
• Lead the end-to-end settlement process with all card networks established for the Fintech Solutions team.
• Ensure accurate and timely reconciliation between internal systems and network reports.
• Maintain clear audit trails and ensure compliance with accounting standards and regulatory requirements.
• Collaborate cross-functionally with Operations, Product, and external network partners to streamline settlement processes.
• Design, implement, and manage reserve methodologies in line with risk exposure and contractual terms.
• Monitor reserve balances to ensure adequate coverage for chargebacks, refunds, and potential losses.
• Conduct periodic reviews and adjustments of reserve requirements based on partner performance and risk profile.
• Communicate reserve positions and changes effectively to internal stakeholders and partners.
• Ensure accurate accounting and reporting of all reserve-related transactions.
• Monitor financial and transactional risk indicators across partner accounts.
• Identify emerging risk trends and escalate concerns to Risk and senior management as needed.
• Develop dashboards and reporting frameworks to track exposure, concentration risk, and loss trends.
• Support the development of mitigation strategies, including reserve adjustments and funding holds.
• Work closely with Risk, Compliance, and Legal teams to ensure adherence to regulatory and contractual obligations.
• Perform other duties as assigned.

Merchant Treasury Manager

Financial Planning and Analysis

• Lead the end‑to‑end underwriting process for energy, infrastructure, and project finance transactions, including loans, tax equity investments, and syndicated facilities.
• Build and maintain strong working relationships with clients, internal origination teams, and third‑party providers to obtain all information necessary for a complete and accurate credit assessment.
• Develop, analyze, and review complex financial models and projections to evaluate project cash flows, sensitivities, and key risks.
• Underwrite and support the ongoing servicing of Shared National Credit (SNC) loans, working alongside agent banks and participating lenders.
• Perform independent credit analysis, annual reviews, amendments, waivers, and servicing actions for SNC transactions in accordance with intercreditor agreements and regulatory expectations.
• Coordinate with internal stakeholders and external lender groups to support credit approvals, servicing actions, and portfolio monitoring for SNC exposures.
• Review agent bank credit packages, financial models, and reporting to assess ongoing performance and emerging risks within SNC portfolios.
• Perform comprehensive credit analysis by reviewing financial statements, project contracts, legal documentation, and third‑party reports to assess project viability through underwriting and closing.
• Prepare clear, well‑reasoned credit memoranda for loan committee review, outlining transaction structure, key risks, mitigants, and recommendations.
• Conduct market, industry, and company research to support underwriting assumptions and credit conclusions.
• Review and interpret complex legal and structured finance documents related to energy, infrastructure, and project finance transactions.
• Independently underwrite syndicated loans for both new originations and ongoing servicing actions.
• Lead credit analysis for early‑stage development opportunities and complex deal structures.
• Take primary responsibility for portfolio underwriting assignments involving multiple common facilities.
• Support ongoing portfolio management activities and serve as a subject matter resource for the team.
• Review the work of other underwriters for accuracy, completeness, and adherence to credit standards.
• Lead and participate in cross‑functional initiatives focused on process improvement, training, and knowledge sharing.
• Develop working knowledge of USDA programs and regulations under the OneRD Initiative, with particular emphasis on REAP and B&I eligibility, as applicable to energy and infrastructure projects.
• Communicate effectively and professionally across multiple channels with internal teams, clients, and third‑party vendors.
• Maintain a positive, professional demeanor when managing deadlines, changes, and transaction challenges.
• Perform other duties as assigned.

Underwriter – Energy, Infrastructure, Project Finance

QA Engineer

• Maintain a great attitude and professional disposition with both internal and external parties, especially while handling deadlines, delays, and setbacks.
• Complies with and adheres to all regulatory compliance areas, policies and procedures and best practices.
• Ensure that all items needed for a loan to be underwritten have been received and placed in the correct location by BDO/BDA.
• Review loan submissions for general eligibility of SBA or USDA rules.
• Communicate with BDO/BDA about missing items, eligibility items and processes prior to loan being assigned to an underwriter.
• Pull business credit reports, MARI reports, UCC filings, flood determinations, etc.
• Perform other duties as assigned.

Loan Quality Assurance Analyst

• **WHAT YOU’LL DO AT CELTIC BANK**
• - Researching and understanding industry compliance regulations and policies.
• - Evaluating compliance risk across Bank and SLP products and processes.
• - Assisting with development and execution of test scripts to evaluate Bank and SLP compliance with laws and regulations.
• - Analyzing and reviewing Bank and SLP policies, procedures, and documentation of operational controls for compliance with industry standards and laws, and regulations.
• - Communicating with employees and management across Bank and SLP business units to understand and evaluate compliance processes and controls
• - Communicating identified deficiencies, gaps, and/or issues to Bank and SLP stakeholders.
• - Assisting with reporting to management of monitoring and testing activities, conclusions, and action plans.
• - Assisting in preparation for Regulatory Exams.
• - Keeping up with compliance requirements and amendments to regulations.
• - Completing additional projects and duties, as directed by Management.