Renewable Energy Analyst

The Renewable Energy Analyst work closely with management, customers, and third party govern agencies to effectively service a diversified portfolio of assets with robust covenants and reporting requirements, and to portfolio to develop and implement strategies for these loans.  This will include monthly, quarterly, and annual analysis of specified data sets as well as proactively engaging with all parties to monitor and report on the quality of the assets, their day-to-day performance, budgets, and ongoing viability. 

Analysts are responsible for collecting and analyzing financial data, completing financial spread analysis, testing financial covenants, and completing loan reviews, renewals, and modifications under the direction of management and applicable committees.  To be successful they must anticipate customer needs, analyze, and proactively respond to account trends.  Finally, they are expected to gain a sound understanding of their clients’ business to facilitate meaningful feedback.

Essential Job Functions

• Acts as the primary point of a contact for the client and as a liaison to internal teams (such as underwriting, credit, closing, construction, operations, and others).

• Applies sound judgment, innovation, and appropriate creativity in management of client relationships.
• Responsible for building and maintaining a rapport with customer to ensure proper management of the account.
• Works with loan operations to ensure the proper booking of all facilities on the loan system.
• Spreads financial statements and calculates certain ratios including measures of liquidity, leverage, and cash flow.
• Tests financial covenants and addresses out of compliance situations timely and within the parameters of the Bank’s credit policies and procedures.
• Proactively look for ways to improve our processes and make suggestions when you identify those opportunities.
• Monitor and ensure that client Credit Files remain up to date. This will include creating client credit files, setting up reporting and covenant ticklers, and assisting with various reporting requirements.
• May make presentations in various department meetings on specific loans recommending appropriate action or structure of credits.
• Develops knowledge of USDA regulations and procedures for all programs under the OneRD Initiative with an emphasis on the REAP and B&I programs. 
• Effectively communicates across multiple channels both internally and externally with clients, third party vendors, USDA representatives, etc. to facilitate the USDA application and approval process.
• Conducts monthly, quarterly, and annual analysis of projects including production, financials, and loan covenants.  Prepare and maintain accurate record keeping of the same and escalate items of concern to management.
• Ability to maintain a great attitude and professional disposition with both internal and external parties, especially while handling deadlines, delays, and setbacks. 
• Perform other duties as assigned.

Requirements

• Adaptability to meet changing department priorities.
• Professional and confidential disposition; exercise considerable judgment and discretion in handling confidential information.
• Proficiency in Microsoft Office, Internet, and related computer skills.
• Understanding the implications of new information for both current and future problem-solving and decision-making.
• Ability to learn quickly, adapt to new processes, and work in a collaborative environment.
• Exceptional interpersonal, verbal, and written communication skills. 
• Ability to problem solve and work independently.
• Outgoing personality with the ability to properly resolve customer concerns.
• Excellent organizational skills.
• Ability to establish and maintain effective work relationships.
• Ability to gain expert proficiency in a specialized product is a must.
• Strong interest in solar industry and structured finance across different states.
• 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, analytical interpretation of balance sheet and income statement analysis and cash flow.
• Professional experience with project finance preferred.

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 or Hybrid 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.