An excellent position for individuals with commercial bank experience that want to develop knowledge of government-guaranteed lending (USDA) in a specialized industry (solar energy). Celtic Bank's Renewable Energy department is growing and going green every day and we are looking for a Renewable Energy Loan & Policy Analyst! It is a great role for individuals with independent problem-solving skills. You will be responsible for performing the operational details related to the closing of renewable (solar) energy loans and navigating the various USDA application processes. You will ensure compliance with loan requirements and government regulations, confirm fulfillment of approved credit requirements and recognize and resolve issues in the closing process to assure the accuracy and completion of all required loan documents. The following list provides a detailed description of tasks you may experience in this role:
Summary of Essential Job Functions
+ Manage the commercial loan closing and USDA application processes to ensure that all closing requirements are met and that closing deadlines are achieved for each loan file in respective pipeline.
+ Ensure loan file accuracy including all packaging documents, satisfaction of credit conditions, adherence to government regulations and overall compliance.
+ Audit loan packages to ensure compliance with bank and regulatory guidelines.
+ Review closing documents for accuracy and compare the documents to commitments and loan summaries.
+ Identify missing documents or discrepancies in closing packages and ensure timely satisfaction of requirements.
+ Clear conditions of loan commitments, clear loans for closing and document approved exceptions.
+ Discern and resolve issues that may emerge during the loan closing process.
+ Ensure correct lien position on all collateral.
+ Maintain superior level of communication with customers, bank employees and department members.
+ Maintain professional and technical knowledge of all regulations related to USDA procedures.
+ Perform other duties as assigned.
+ USDA program experience a bonus.
+ Bachelor’s degree in finance, economics, business or related field.
+ Commercial loan lending, processing, and servicing experience or a related field (title companies, etc.) is a must.
+ Ability to collaborate, influence and articulate complex processes.
+ Desire to learn and understand finances in an emerging field, Renewable Energy, with complex financial modelling.
+ Desire to gain expert proficiency in a specialized product is a must.
+ Knowledge of or a strong desire to learn navigating complex state and national government programs.
+ Demonstrated superior interpersonal relationship skills.
+ Exceptional interpersonal, verbal, and written communication skills.
+ Strong organizational skills and exceptional attention to detail.
+ Position requires a highly motivated go-getter with a great attitude.
+ Current knowledge of banking regulations preferred.
+ Proficiency in Microsoft Office, Internet and related computer skills.
+ Medical, dental, vision
+ 401(k) with employer match
+ Life and long-term disability coverage
+ HSA and FSA plans
+ Holidays and paid time off requests
+ Employee Recognition Program
+ On-site workout room
+ Robust wellness program (we’re talking catered breakfasts, lunch & learns, fitness trainers, yoga and kickboxing!)
Headquartered in the heart of downtown Salt Lake City, Utah, Celtic Bank was named the sixth largest SBA lender in the nation in 2019! 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.