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

• Maintain accurate underwriting documentation in account management systems and ensure compliance with documentation standards. • Support the submission process by entering and managing data within our systems. • Execute underwriting strategies in alignment with business unit and company objectives. • Build and maintain strong relationships with brokers and internal stakeholders through consistent, high quality service. • Contribute to process improvement initiatives and support special projects as assigned. • Participate in underwriting meetings and ongoing training to develop expertise in underwriting systems and the reinsurance marketplace.

• Own the development and refinement of detailed financial models for acquisition and de novo opportunities • Lead analysis of historical performance, forecasts, and key value drivers • Pressure-test assumptions and identify financial risks, sensitivities, and upside opportunities • Play a key role in financial due diligence, including review of diligence materials and third-party valuation reports • Prepare and present financial analyses and recommendations to Deal Team and senior leadership • Support structuring considerations and post-close performance tracking • Continuously improve underwriting tools, templates, and processes

This description is a summary of our understanding of the job description. Click on 'Apply' button to find out more. Role Description This position is responsible for analyzing and evaluating consumer home loan applications as well as the supporting documentation to assess Borrower’s creditworthiness. Types of consumer loan applications include, but are not limited to Conventional, Jumbo, FHA, VA, and USDA residential first mortgages. Must be able to recommend approval or denial of credit applications, and provide written and verbal decision and documentation to support the lending decision. This role is full-time; non-exempt and is remote. This position has no supervisory responsibilities, and reports to the Underwriting Team Manager. Responsibilities and Duties - Perform mortgage credit analysis, with or without the assistance of an automated underwriting system to determine Borrower’s willingness and ability to repay the mortgage debt - Knowledge of FNMA and FMLMC documentation and general guidelines/standards. - Validate loan application and supporting documentation and verify that the system of record reflects correct information. Update system of record when required - Review and validate: income, asset, credit, title, value, and fraud reports - Ensure all required property information is in system - Look over all loans to substantiate that they meet Plaza’s underwriting guidelines - Pull credit report as required - Confirm government required documents are complete and accurate - Review title information and purchase contract, if applicable - Run and review quality control tools – i.e. FraudGuard and Early Check - Run, review, and interpret DU/LP/GUS/TotalScoreCard, when applicable - Document system with all dates and information - Certify system data integrity - May underwrite one or all of the following loan types: Conventional, Jumbo, FHA, 2013k, VA, and USDA based on lending authority levels (underwritten loans must meet all quality standards established by Plaza, Fannie Mae, Freddie Mac, FHA, VA, and USDA) - Maintain production standard goals as established by management - Ability to act as FHA DE, and/or VA Automatic and SAR Underwriter - Order and review MI based on loan program. Ensure that system of record matches MI certificate - Approve/deny loans and update the system accordingly with P.A.C.E comments - Re-underwrite loans when additional information has been received - May be asked to second sign loan decisions for lower level authority underwriters - May occasionally be required to provide training for and mentoring to Junior Underwriters and newly hired Senior Underwriters - Answer and research general underwriting scenario and guideline questions via email and phone - Complete all required underwriting worksheets and checklists - i.e. Income Worksheet, QM/ATR checklist - Assist in resolving branch post-closing suspense issues - Must be able to evaluate and analyze complex income tax returns to establish qualifying income. - Other duties as assigned Qualifications - Recent Underwriting experience in the mortgage industry is a must - Experience with FHA, VA, or USDA is required - Thorough grasp of state and federal regulations is required as well as a solid understanding of: HMDA, Regulation Z, Regulation B; the FHLMC, FNMA, FHA rules and processes - Experience with Loan Origination Systems such as DataTrac - Knowledge of paperless file environment and image software repository - Proficiency with computer systems including MS Office (Word, Excel, and Outlook) and Internet Browsers - Genuine commitment to customer service - Solid organizational and problem-solving skills - Proven aptitude to work in both a team and individual environment - High school diploma or equivalent required; College degree preferred - Experience with (AUS) automated underwriting systems - Working knowledge of loan program products and services, and policies essential Requirements - This is a remote position. Benefits - Estimated Rate of Pay: $40.86 - $50.48 - This position is full-time; non-exempt. - The estimated range is the budgeted amount for this position. Final offers are based on various factors, including skill set, experience, location, qualifications and other job-related reasons. - In addition, Plaza offers a competitive benefits package; including medical/dental/vision, paid time off and holidays, 401(k), life and pet insurance. - Plaza also offers additional benefits such as an employee friends and family loan and an employee assistance program that includes a variety of discounted services.