Commercial Credit Analyst

6 days ago


Salt Lake, Utah, United States Celtic Bank Full time
About Celtic Bank

Celtic Bank is a leading nationwide lender specializing in commercial lending solutions. As a top SBA lender in the nation, we offer a unique opportunity for experienced underwriters to grow their careers and make a meaningful impact in the industry.

Job Summary

We are seeking a highly skilled SBA Loan Underwriter to join our team. As a key member of our commercial lending team, you will be responsible for conducting in-depth analysis of financial information to assist the bank in the loan decisioning process. You will present analysis and recommendations to the Loan Committee for a final decision, collaborate with customers, business development officers, and third-party providers to gather necessary information, and maintain superior customer service with customers, bank employees, and department members.

Key Responsibilities
  • Conduct thorough financial analysis to support loan decisions
  • Present analysis and recommendations to the Loan Committee
  • Collaborate with customers and stakeholders to gather necessary information
  • Maintain excellent customer service and communication skills
Requirements
  • Minimum of three to five years of underwriting experience in SBA lending or a related field
  • Bachelor's degree in Accounting, Finance, or equivalent experience
  • Strong knowledge of commercial banking credit policies and procedures, credit/financial statement analysis, loan structuring, and cash flow analysis
  • Advanced working knowledge of accounting principles, tax return analysis, and analytical interpretation of balance sheet and income statement analysis and cash flow
  • Strong oral and written communication skills in a commercial bank environment
  • Demonstrated effective customer service skills
  • Effective business writing and professional communication
  • Strong working knowledge of Microsoft Word and Excel
Benefits
  • 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
About the Role

This role operates in a professional office environment and requires the ability to work independently and as part of a team. The employee will be required to stand, walk, use hands to type, handle documents, and perform other office-related duties. The employee will also be required to communicate effectively with customers, bank employees, and department members.



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