Celtic Bank

Analyst

• - Manage a portfolio of construction loans across underwriting, credit review, and closing stages.
• - Act as the primary point of contact for borrowers, contractors, and third-party vendors, providing guidance and updates throughout the loan closing process for a seamless experience.
• - Ability to maintain a great attitude and professional disposition with both internal and external parties, especially while handling deadlines, delays, or setbacks.
• - Stay up to date on industry trends, regulations, and best practices related to construction lending.
• - Conduct and create in-depth analysis of construction project sources and uses, construction budgets, architectural plan & site plan review, and financial information during underwriting.
• - Identify and mitigate risks related to project delays, cost overruns, or other construction-related challenges.
• - Proactively track, reconcile, and monitor project costs and statuses and ensure alignment with loan terms
• - Prepare and present underwriting analyses and project evaluations to managers for Loan Committees.
• - Obtain, review, and approve all construction documents (e.g., AIA G702/703 forms, contracts, draw procedures) prior to closing ensuring documentation aligns with regulatory compliance areas, policies and procedures and best practices.
• - Collaborate with internal teams, including underwriting/closing, accounting, and disbursement agents to ensure smooth operations.
• - Leveraging technology to manage documentation files, including uploading documents, entering budget numbers, and reconciling expenses.
• - Ensure proper documentation is filed for audits and regulatory reviews.
• - Perform other duties as assigned.

Construction Loan Analyst

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.
• Understands and stays current on Red Flags and industry trends related to AML and fraud.
• Conducts 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.

BSA & AML Compliance Analyst

Engineering Manager

• Join one of the nation's leading small business lenders as we modernize banking through technology innovation. We're seeking a dynamic Engineering Manager to lead a talented team of engineers responsible for building and scaling the software solutions that power our lending operations.
• In this role, you'll drive engineering excellence, guide technology strategy, and foster an Agile, collaborative environment. You'll also serve as a Scrum Master, ensuring your team delivers high quality, compliant, and customer centric software that enables small businesses to thrive.
• Essential Job Functions**Leadership & Team Development**
• - Lead, coach, and inspire a team of software engineers to deliver reliable, scalable, and high-performing systems.
• - Foster a culture of collaboration, innovation, and continuous learning.
• - Mentor engineers to support their professional growth and career advancement.
• **Technical Oversight**
• - Oversee system design, development, and deployment to ensure adherence to best practices, security standards, and performance goals.
• - Maintain technical excellence across multiple languages and frameworks, including C#, Apex, and Python.
• - Drive integration strategy and ensure APIs are secure, efficient, and scalable.
• **Agile & Delivery Management**
• - Act as Scrum Master for the team—facilitate sprint planning, standups, retrospectives, and backlog grooming.
• - Promote Agile principles to enhance delivery predictability and quality.
• - Collaborate with various teams to deliver business-critical projects on time and within scope.
• **Technology Strategy**
• - Contribute to the technology roadmap in alignment with the organization’s business objectives.
• - Evaluate new technologies, tools, and practices to improve productivity and system performance.
• - Strengthen CI/CD pipelines and modernization efforts.
• **Stakeholder Collaboration**
• - Work closely with internal business partners to translate requirements into technical solutions that create measurable business value.
• - Communicate effectively across both technical and non-technical teams, ensuring transparency and alignment.

• - Provide superior customer service with timely responses and accurate information.
• - Receive and respond to all incoming customer service-related matters, some examples of which may include balance inquiries and payment history; documentation requests; address changes; calculation of payoff quotes or amortization schedules; creation of memorandums and inter-departmental communication.
• - Attend trainings to learn policies, procedures, loan products and types. Gain an understanding of the SBA, Celtic Bank departments, and SBA lending.
• - Review, organize, and distribute all departmental mail including mail for service contractors and sponsors.
• - Ability to maintain a great attitude and professional disposition with both internal and external parties, especially while handling deadlines, delays, and setbacks.
• - Perform other duties as assigned.

Loan Servicing Analyst

Financial Planning and Analysis

• Lead credit analysis and underwriting of leveraged finance loans, including due diligence, risk evaluation, deal structuring, and preparing credit approval requests
• Manage a portfolio of leveraged finance loans and investor facilities (NAV, Secondaries, Participations), monitoring performance, covenants, and reporting potential credit deterioration
• Act as first-level escalation for documentation/closing and servicing issues and collaborate with operations to ensure consistency with approved terms
• Maintain strong relationships with clients and stakeholders, providing customer service and resolving issues
• Collaborate with internal teams to streamline processes and improve portfolio performance
• Stay updated with market trends and regulatory changes to ensure portfolio alignment with industry standards and compliance

Portfolio Manager, Corporate Finance

Compliance

• Assist management in ensuring regulatory compliance at Strategic Lending Partnerships (SLP) and the Bank.
• Monitor Bank and SLP products and processes for compliance with applicable laws and regulations.
• Conduct targeted reviews of Bank and SLP products and processes for compliance with applicable laws and regulations.
• Keep abreast of emerging compliance risks and report identified deficiencies and gaps to management.
• Research and understand industry compliance regulations and policies.
• Evaluate compliance risk across Bank and SLP products and processes.
• Assist with development and execution of test scripts to evaluate Bank and SLP compliance with laws and regulations.
• Analyze and review Bank and SLP policies, procedures, and documentation of operational controls for compliance.
• Communicate with employees and management across Bank and SLP business units to understand and evaluate compliance processes and controls.
• Communicate identified deficiencies, gaps, and/or issues to Bank and SLP stakeholders.
• Assist with reporting to management of monitoring and testing activities, conclusions, and action plans.
• Assist in preparation for Regulatory Exams.
• Keep up with compliance requirements and amendments to regulations.
• Complete additional projects and duties as directed by Management.

Compliance Analyst, Testing

Product Manager

• The Strategic Lending Partnerships (SLP) Card Product Manager is responsible for implementing, managing, and coordinating operations related to the Bank’s fintech card programs, including implementation, integrations, reporting, relationship management, evaluation of opportunities, and ongoing oversight of programs.
• Coordinate and manage the implementation of new card programs with card networks, fintech partners, and processors.
• Develop processes and procedures to collect, maintain and continually update necessary documentation for existing card programs.
• Develop processes and procedures for managing, tracking, and executing required initiatives from card networks.
• Serve as subject-matter expert within the bank on card products, trends, developments, and opportunities.
• Interact with Compliance and other bank departments and third-party resources for oversight, product testing, and monitoring of bank-sponsored card programs.
• Prepare product-level performance and tracking reports on a monthly basis.
• Coordinate and manage billing and invoicing of applicable network fees with the bank’s accounting functions.
• Manage resolution and reporting of customer complaints related to the bank’s card programs with Compliance, card networks, and Strategic Partners.
• Support bank management during regulatory exams or internal audits.
• Engage in research, ongoing training, and industry engagement to maintain card industry knowledge and source technologies to drive efficiencies and oversight capabilities.
• Participate in special projects and new bank initiatives as needed.
• Physical/other requirements: work in a professional office environment using standard office equipment; occasional standing, walking, and light lifting (up to 10 pounds); occasional movement between work sites; regular communication in fluent English.
• Work model: fully onsite or hybrid; Utah-based employees eligible for hybrid after initial training, and may be required to travel to Salt Lake City office for meetings or events.