Celtic Bank

• 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.

• 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.

Celtic Bank’s Compliance Team is seeking a temporary BSA/AML Analyst to support ongoing efforts to maintain a safe, sound, and compliant customer base. In this role, you will assist with customer due diligence (CDD) and enhanced due diligence (EDD) reviews, as well as daily operational tasks aligned with internal standards and regulatory requirements. Responsibilities include reviewing accounts for potential suspicious activity, investigating alerts, analyzing transaction patterns, and drafting Suspicious Activity Reports (SARs). Primary Job Functions: - 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. *** This position will be temporary for 3-6 months.***

• 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.

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

The Energy, Infrastructure, & Project Finance underwriter is responsible for leading all aspects of the underwriting process for complex energy, infrastructure, and project finance loans and investments, including Shared National Credits (SNC). This role independently assesses credit risk to ensure transactions align with the organization’s credit standards, internal policies, and applicable regulatory requirements. The successful candidate will demonstrate strong judgment, attention to detail, and the ability to manage multiple priorities while meeting deadlines in a fast‑paced environment. This position involves in‑depth analysis of financial models, contracts, due diligence materials, and engineering reports to develop well‑supported credit recommendations for energy and infrastructure projects nationwide. Are you ready to learn more? Apply and ask about this opening! Essential Job Functions - 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.