SBA Loan Underwriter

Are you feeling underutilized right now in your role as an Underwriter? Are you never recognized for going the extra mile on a deal? Is your team so big you get lost in the shuffle? It’s time you worked for a different kind of bank. As one of the top five SBA lenders in the country, Celtic Bank is small enough that managers know you and recognize your hard work, but big enough that you’ll be challenged every day. Celtic Bank gives underwriters the opportunity to gain deep commercial credit knowledge and broad experience across a range of different industries and business types. At Celtic, you’re not just another resource in a cubicle; you’re a trusted member on an essential team. And as a member of that team, we offer hands-on training and the freedom to do your job well and grow in the process. You’ll have ample opportunities to be mentored and to mentor, so that you can, ultimately, enjoy and excel at your work. Want to know more? Apply for or ask about this opening! WHAT MAKES CELTIC DIFFERENT Managers are mentors It’s never wrong to ask great questions Business casual is everyday Hard work is rewarded You’re always learning WHAT YOU’LL DO AT CELTIC BANK Conduct in-depth analysis of financial information to assist the bank in the loan decisioning process Present analysis and recommendation to Loan Committee for a final decision. Collaborate with customers, Business Development Officers, and third-party providers to gather all necessary information to present an accurate and complete picture of the loan request. Maintain superior level of customer service with customers, bank employees and department members Requirements WHAT YOU’LL NEED TO DO IT Must have minimum of three to five years of underwriting experience in SBA lending or a related field. Bachelor’s degree in Accounting, Finance and/or equivalent experience preferred. Prefer 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 (we’re talking catered meals three times a weeks, lunch and learns, and onsite gym.) Headquartered in the heart of downtown Salt Lake City, Utah, Celtic Bank was named a top SBA lender in the nation in 2023! Celtic Bank is a leading nationwide lender specializing in SBA 7(a), SBA 504, USDA B&I, express loans, asset-based loans, commercial real estate loans and commercial construction loans. Celtic Bank is an equal opportunity employer and complies with all applicable federal, state and local fair employment practices laws. Physical and Other Requirements This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines. The demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Stationary Work: The employee is frequently required to stand; walk; use hands to type, handle documents, and perform other office related duties. Exerting up to 10 pounds of force occasionally and/or negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects. Mobility: The employee in this position needs to occasionally move between work sites and inside the office to access file cabinets, office machinery, etc. Communicate: The employee is regularly required to talk or hear and will frequently communicate with others. Must be able to read, write and understand fluent English. Work Model: The employee in this position will work either a fully Onsite, Hybrid or Remote work model. All employees, regardless of location, may be required to travel to the Salt Lake City office for mandatory company meetings, events, or related occasions. Utah-based employees: Hybrid work schedule available after initial training period in our Salt Lake City, Utah office – department and job requirements will determine eligibility. Out of State employees: Full remote work schedule available