Celtic Bank

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

• Conduct detailed review of closing due diligence documents for accuracy, completeness, and adherence to terms of bank approval and policies.
• Engage and coordinate with necessary third parties, including attorneys, title, appraisers, accountants, consultants, and engineers.
• Facilitate assigned commercial loan closings and pipeline to ensure that all closing requirements are met and that closing deadlines are achieved for each loan file.
• Work with underwriters to fulfill conditions of loan commitments, clear loans for closing, and document approved exceptions.
• Discern and fully resolve all issues that may emerge during the loan closing process.
• Review all due diligence documentation in conjunction with third-party legal teams and management to ensure enforceability and clarity.
• Identify missing documents or discrepancies in closing packages and ensure timely satisfaction of requirements.
• Effectively communicate any changes to management and third-party legal teams. This could include but is not limited to drafts of credit memos, Bank approvals, change in terms, etc.
• Coordinate scheduling of loans for closing with all parties involved and prepare loan closing worksheets for funding.
• Ensure loans are accurately boarded into core system and all supporting documentation is turned over.
• Maintain superior level of customer service with customers, bank employees, and department members.
• Audit and ensure loan package accuracy including all packaging documents, satisfaction of credit conditions, overall compliance, bank and regulatory guidelines.
• Prepare change in terms or engage legal to facilitate loan amendments for servicing requests, resizings, or changes of control in accordance with bank approval and under the direction of the manager.
• Communicate effectively and proactively across multiple channels and internal and external parties to support the team value of transparency, to ensure the appropriate tone, and promote excellent independent problem-solving skills.
• Maintain professional and technical knowledge of all regulations related to closing and post-closing procedures.
• Assist in the portfolio management of an existing portfolio of assets and serve as a resource within the team.
• Perform other duties as assigned.

Loan Processor – Energy, Infrastructure, Project Finance

Business Development Rep

• Originate Small Business Administration (SBA) loans, equipment leasing and Asset-Based Lending (ABL) financing transactions for small businesses nationwide.
• Develop and cultivate relationships with customers and brokers who market directly to small business owners.
• Utilize networking and referrals to generate business leads and identify potential small business owner borrowers.
• Develop and expand market penetration in assigned locations and markets.
• Demonstrate the value of Celtic Bank’s entrepreneurial lending philosophy and its ability to serve the needs of small business owners nationwide.
• Develop marketing and sales strategy in collaboration with the Chief Business Development Officer and Celtic Bank’s marketing group.
• Generate leads, develop completed financing applications, submit loan packages to underwriting and present loan credits to Credit Committee.
• Recognize target market credit opportunities and present funding solutions.
• Obtain customer-signed commitments after loan approval and coordinating the funding of transactions with the Bank’s Operations Group.
• Achieve annual production goals.
• Active use of Salesforce and other supporting origination systems to support deal flow.

Business Development Officer

IT Support

• Lead and develop the underwriting and portfolio management team, including hiring, coaching, performance management, and establishing a culture of accountability, ownership, and continuous improvement
• Own overall asset quality of the portfolio, ensuring risks are proactively identified, assessed, and mitigated through underwriting discipline, servicing actions, and restructuring where necessary
• Ensure consistent and appropriate underwriting standards, credit structuring, and risk assessment practices across all new originations
• Oversee ongoing portfolio surveillance, including covenant compliance, borrower performance, reporting, and early warning indicators, with clear escalation protocols
• Direct and support credit intervention strategies, including amendments, waivers, modifications, and restructurings, to minimize losses and optimize recoveries
• Review and approve underwriting and portfolio analysis work product, ensuring accuracy, completeness, and alignment with bank credit standards and risk appetite
• Establish and enforce portfolio management cadence and controls, including periodic reviews, asset quality grading, and action planning for underperforming credits
• Provide executive-level reporting and insights on portfolio health, risk trends, watchlist assets, criticized/classified exposures, and mitigation strategies
• Partner with senior leadership, credit risk, and loan committee to ensure risk-adjusted decisioning and alignment with strategic objectives
• Coordinate cross-functionally with originations, closing, operations, and risk teams to execute transactions and servicing actions efficiently and consistently
• Drive process improvements and standardization across underwriting, monitoring, and servicing workflows to enhance scalability and control

Credit Manager

Marketing Operations

• Build, maintain, and optimize outreach cadences in Salesloft, including prospecting sequences, nurture tracks, and follow-up campaigns across the Marketing team’s target audiences.
• Pull, clean, and segment prospect lists from CRM and third-party data sources.
• Set up and manage email campaigns and automation workflows, ensuring accurate audience targeting, scheduling, and tracking.
• Maintain data hygiene across CRM and marketing platforms, including deduplication, list segmentation, and contact record accuracy.
• Monitor and report on cadence and campaign performance metrics; surface findings and recommendations to team leadership.
• Serve as the day-to-day administrator for Salesloft and other marketing automation tools.
• Support the planning and execution of marketing events, including logistics coordination, vendor communication, and materials preparation.
• Assist with the production and management of marketing collateral, including coordinating with designers, tracking revisions, and managing distribution.
• Support content production across channels, including drafting copy, proofreading, and maintaining the editorial calendar.
• Manage task tracking and project timelines across marketing initiatives in Monday.com.
• Maintain and manipulate marketing data and reporting using Excel, including list management, campaign tracking, and ad hoc analysis.
• Maintain a professional disposition with internal and external parties, particularly when managing competing deadlines.
• Comply with all regulatory requirements, policies, procedures, and best practices.
• Perform other duties as assigned.

Marketing Operations Coordinator

Full-stack Engineer

• Design, develop, and deploy scalable cloud-native distributed backend systems capable of supporting over 1 million users while meeting strict SLAs.
• Collaborate closely with engineering teams and business stakeholders to translate user needs into high-quality technical solutions.
• Build and maintain resilient integrations with third-party APIs and platforms.
• Evaluate architectural trade-offs and provide technical guidance aligned with business goals.
• Deliver accurate development estimates and communicate project status effectively.
• Support production systems through monitoring, logging, alerting, and operational improvements.
• Troubleshoot and resolve issues within large-scale distributed systems.
• Create and maintain comprehensive technical and architectural documentation.
• Improve developer tooling, CI/CD pipelines, and build/release processes.
• Participate in code reviews, testing, and quality assurance to ensure secure, maintainable software.
• Mentor engineers and foster a culture of learning, feedback, and craftsmanship.
• Stay current with emerging technologies, software development methodologies, and engineering best practices.
• Leverage AI tools and technologies to enhance software development workflows and productivity.

Senior Software Engineer

Administration

• - Manage a portfolio of construction loans at various stages of the construction lifecycle
• - Review, reconcile, and process construction draw requests accurately and efficiently
• - Utilize technology platforms to manage loan files, upload documentation, enter budgets, and track project activity
• - Monitor project timelines and proactively identify potential delays or issues
• - Process loan extensions and servicing actions as needed
• - Review post-closing construction loan documentation for accuracy and compliance
• - Order and review project inspections and reconcile construction budgets
• - Analyze project financials, including sources and uses, budgets, architectural plans, and site plans
• - Maintain regular communication and strong working relationships with borrowers and general contractors
• - Collaborate cross-functionally with internal departments to meet deadlines and support successful project completion
• - Ensure compliance with Celtic Bank policies as well as state and federal regulations
• - Perform additional duties and special projects as assigned

Loan Administrator

Manager

• Perform detailed financial analysis of borrower and guarantor financial statements, tax returns, business plans, and financial projections.
• Conduct annual credit reviews and monitor existing loan portfolios for performance trends, covenant compliance, and early warning indicators.
• Prepare clear, concise, and well-supported credit approval memoranda for internal credit committees and regulatory review.
• Evaluate franchisee performance metrics, brand strength, unit-level economics, and competitive positioning.
• Identify key credit and structural risks to help mitigate potential loan losses.
• Partner closely with relationship managers, credit officers, legal counsel, and operations teams to support efficient portfolio oversight.
• Participate in periodic portfolio reviews with internal and external auditors.
• Contribute to ongoing credit policy enhancements and portfolio risk management initiatives.
• Ensure compliance with all applicable regulatory requirements, internal policies, procedures, and best practices.
• Perform additional duties and special projects as assigned.

Portfolio Manager – Franchise Group

Human Resources

• **KEY RESPONSIBILITIES**
• **Talent Acquisition & Onboarding**
• Assist hiring managers with developing job postings, screening applicants, coordinating interviews, and supporting the offer process.
• Support full-cycle recruitment for assigned positions, with a focus on delivering a positive candidate experience.
• Assist with new hire onboarding, including orientation sessions, paperwork completion, and systems access setup.
• Help maintain the applicant tracking system (ATS) with accurate candidate and requisition data.
• **Employee Relations**
• Support employees and managers by helping answer questions about HR policies, procedures, and best practices, escalating as needed.
• Assist with employee relations matters, including gathering information and supporting resolution of conflicts and performance concerns under the guidance of senior HR team members.
• Support managers in understanding HR policies related to progressive discipline, performance improvement, and corrective action.
• Contribute to a respectful and inclusive workplace by supporting team initiatives and engagement activities.
• **Benefits Administration**
• Assist in administering employee benefits programs, including health insurance, retirement plans (401k), and ancillary benefits.
• Support annual open enrollment activities, including employee communications, system updates, and answering employee questions.
• Help respond to benefits inquiries and support coordination with vendors and brokers as needed.
• **Compliance & HR Operations**
• Gain exposure to federal, state, and local employment law requirements (FMLA, ADA, FLSA, EEO) and assist the team in maintaining compliance.
• Assist in maintaining accurate employee records in the HRMS, supporting data integrity and confidentiality.
• Support the preparation of HR reports and data to assist with workforce planning and management decisions.
• Assist with audits and regulatory reporting requirements, including EEO-1, AAP, and other submissions.
• **Learning & Development**
• Assist leadership to effectively manage performance, goals, and employee engagement
• Assist in coordinating employee training programs, including compliance training, leadership development, and skills-based learning.
• Support the identification of learning needs in partnership with managers and the broader HR team.
• **Other Responsibilities**
• Assisting in processing and auditing payroll.
• Assisting with salary benchmarking and market analysis.
• Conducting exit interviews and compiling trend data.
• Supporting workplace safety initiatives and committee activities.
• Other Duties as assigned.

HR Generalist

Financial Crime

• Investigate potential unusual activity, money laundering, fraud, or terrorist financing incidents.
• Prepare and complete required forms (as needed) for regulatory filing according to Financial Crime Enforcement Network (FinCEN) guidelines.
• Understand and stays current on Red Flags and industry trends related to AML and fraud.
• Conduct AML and fraud Investigations, including customer and account level research on a wide variety of data, to detect and determine suspicious and/or illegal activity.
• Contribute to projects to improve and optimize the Bank's BSA/AML program
• Collaborate with BSA and Compliance personnel, operations, and Strategic Lending Partners as needed.
• Perform other duties as assigned.