Credit Manager

Celtic Bank

Credit Manager overseeing underwriting and portfolio management team in renewable energy. Ensuring asset quality and credit risk mitigation across Energy, Infrastructure, and Project Finance platform.

Posted 6/4/2026full-timeSalt Lake City • Utah • 🇺🇸 United StatesMid-LevelSeniorWebsite

About the role

Key responsibilities & impact

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

Requirements

What you’ll need

Bachelor’s degree in finance, accounting, economics, business, or a related field (or equivalent relevant experience)
Minimum of five (5) years of experience in commercial loan underwriting, credit analysis, or transaction structuring, with the ability to apply credit judgment in a sales‑driven origination environment.
Working knowledge of portfolio servicing fundamentals, including covenant compliance monitoring, borrower reporting, and ongoing loan agreement oversight
Demonstrated leadership capability, including delegating workloads, coaching staff, and managing performance in a deadline‑driven environment.
Strong technical credit skills, including the ability to evaluate complex risk scenarios, solve underwriting problems, and apply sound credit judgment.
Ability to implement and maintain consistent underwriting/credit standards across a team, including quality assurance routines and training disciplines
Demonstrated or equivalent experience overseeing annual loan/asset reviews, including completion of Annual Performance Review deliverables, coordinating management review/approvals, and ensuring final documentation is retained in the credit file.
Ability to establish and enforce portfolio monitoring cadence and controls (e.g., covenant tracking, borrower reporting timelines, and escalation routines), ensuring issues are identified and action plans are developed when performance deteriorates.
Proven ability to partner cross‑functionally with origination/sales, underwriting/credit, operations, closing, and risk/compliance to execute transactions and ongoing monitoring expectations efficiently.

Benefits

Comp & perks

Medical, dental, vision
401(k) with employer match
Life and long-term disability coverage
HSA and FSA plans
Holidays and paid time off requests
Robust wellness program (we’re talking catered meals three times a weeks, lunch and learns, and onsite gym.)

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

commercial loan underwritingcredit analysistransaction structuringportfolio servicingcovenant compliance monitoringborrower reportingrisk assessmentcredit judgmentquality assuranceportfolio monitoring

Soft Skills

leadershipcoachingperformance managementdelegationproblem-solvingcross-functional collaborationcommunicationaccountabilitycontinuous improvementaction planning

Certifications

Bachelor’s degree in financeBachelor’s degree in accountingBachelor’s degree in economicsBachelor’s degree in business