Junior Business Development Officer

• Support your BDO in originating SBA, equipment leasing, and ABL financing for small businesses nationwide • Help show small business owners the value of Celtic Bank’s entrepreneurial lending approach • Build and maintain relationships with customers and brokers who market directly to small business owners • Assist with prospecting, outreach, and tracking new opportunities • Use Salesforce to track leads, opportunities, and accounts and keep the pipeline accurate • Perform pre-underwriting due diligence and credit analysis, and prepare and organize credit files and checklists for underwriting • Keep borrowers, brokers, and internal teams informed and moving during underwriting • Follow up with borrowers on closing checklist items to keep deals on schedule • Help obtain signed commitments after approval and coordinate funding with the Operations team • Coordinate closing logistics and help borrowers deliver closing documents • Support post-closing relationship and marketing efforts • Provide general administrative support to the BDO • Bachelor’s degree or equivalent work experience • Commercial banking, lending, or credit analyst experience (retail banking experience alone does not qualify) • Strong credit skills and working knowledge of credit analysis, underwriting, and loan structuring • Excellent organizational skills, with the ability to manage multiple deals and competing priorities • Excellent written and verbal communication skills, including with borrowers, brokers, and internal teams • Strong customer service skills • Analytical skills and close attention to detail • Proficiency with Salesforce, Microsoft Office, and the internet • Ability to work independently in a remote environment

• Bachelor’s degree or equivalent work experience • Commercial banking, lending, or credit analyst experience (retail banking experience alone does not qualify) • Strong credit skills and working knowledge of credit analysis, underwriting, and loan structuring • Excellent organizational skills, with the ability to manage multiple deals and competing priorities • Excellent written and verbal communication skills, including with borrowers, brokers, and internal teams • Strong customer service skills • Analytical skills and close attention to detail • Proficiency with Salesforce, Microsoft Office, and the internet • Ability to work independently in a remote environment Preferred • Located in or near Tennessee, to work closely with the supported BDO • Experience with SBA lending, equipment finance, or ABL

• Aggressive financial incentives for performance • 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 2025! 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.

Celtic Bank is looking for a Junior Business Development Officer (BDO) to support our SBA lending team. In this remote role, you’ll partner with a BDO based in Tennessee to originate SBA loans, equipment leasing, and Asset-Based Lending (ABL) transactions for small businesses nationwide. You’ll help with everything from prospecting and credit analysis to closing and post-closing relationship support. The ideal candidate brings a commercial lending or credit background, along with strong organization and communication skills. Candidates in or near Tennessee are strongly encouraged to apply. What You’ll Do • Support your BDO in originating SBA, equipment leasing, and ABL financing for small businesses nationwide • Help show small business owners the value of Celtic Bank’s entrepreneurial lending approach • Build and maintain relationships with customers and brokers who market directly to small business owners • Assist with prospecting, outreach, and tracking new opportunities • Use Salesforce to track leads, opportunities, and accounts and keep the pipeline accurate • Perform pre-underwriting due diligence and credit analysis, and prepare and organize credit files and checklists for underwriting • Keep borrowers, brokers, and internal teams informed and moving during underwriting • Follow up with borrowers on closing checklist items to keep deals on schedule • Help obtain signed commitments after approval and coordinate funding with the Operations team • Coordinate closing logistics and help borrowers deliver closing documents • Support post-closing relationship and marketing efforts • Provide general administrative support to the BDO • Bachelor’s degree or equivalent work experience • Commercial banking, lending, or credit analyst experience (retail banking experience alone does not qualify) • Strong credit skills and working knowledge of credit analysis, underwriting, and loan structuring • Excellent organizational skills, with the ability to manage multiple deals and competing priorities • Excellent written and verbal communication skills, including with borrowers, brokers, and internal teams • Strong customer service skills • Analytical skills and close attention to detail • Proficiency with Salesforce, Microsoft Office, and the internet • Ability to work independently in a remote environment Preferred • Located in or near Tennessee, to work closely with the supported BDO • Experience with SBA lending, equipment finance, or ABL • Aggressive financial incentives for performance • 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 2025! 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.