Auditor Manager

At Celtic Bank we are growing while both delivering the financial services desired by our customers and maintaining a strong risk management culture. In safeguarding our expansion, we are enhancing controls and risk management practices. Accordingly, we are seeking a talented and experienced Audit Manager to lead and continue developing a credit risk audit program.

The Audit Manager will have responsibility for operating a credit audit program to sustain portfolio asset quality and drive sound credit administration practices. Additionally, a key objective will be identifying credit activities which may present elevated business risk. This entails planning and conducting horizontal and targeted reviews assessing effectiveness of credit management activities. Success in the role will leverage past relevant experience and utilize risk-based auditing/exam principles.

These include executing sound testing strategies while analyzing information and data in the identification of systemic weaknesses. Also, essential is a knowledge of credit administration processes and a solid understanding of applicable Banking Laws, Regulations, and agency guidance. An objective will be driving compliance with interagency guidance and best credit risk management practices, while working closely with senior management. Presentational aptitudes are also necessary as regular reports covering results and needed corrective actions are provided to leadership and bank Directors.

• Orchestrate an audit program analyzing credit portfolio and administrative risks through regular testing activities. Developing evaluation strategies to address varied credit profiles encompassing credit underwriting, portfolio management, and documentation approaches.
• Compile, interpret, and report leading performance metrics used to monitor portfolio health.
• Regularly review and evaluate loan pool quality, including underwriting standards and credit policy adherence, collateral adequacy, and borrower performance trends.
• Review credit files in evaluation of borrower financial stability, cash flow capacity, and collateral quality; identifying shortfalls that could lead to future debt‑servicing weaknesses.
• Periodically assess loan portfolios of varied characteristics ensuring consistent, appropriate risk grades are maintained with timely grade changes occurring as necessary.
• Work with senior management to develop strategies for managing identified problem loans, including determining corrective actions needed and providing recommendations.
• Prepare and present management reports covering loan quality, risk concentrations, loan classifications, and other performance metrics to Board Committee Directors and executive management.
• Provide credible challenge, offer solution recommendations, and influence action taken based on sound conclusions.
• Collaborate cross‑functionally with various teams involved in lending processes to identify and address concerns, while facilitating enhancement of processes or systems.
• Maintain the necessary independence of loan production and credit review processes conducted within the business ensuring impartiality of risk assessment and loan analysis activities.
• Remain current with regulatory requirement changes, industry best practices, and economic trends impacting the broader credit environment.

• A Bachelor's degree in Finance, Accounting, Business Administration, or a related field. A Master's degree and professional certifications such as CPA or CFA are viewed favorably.
• Six plus years of professional experience in financial audit, credit risk management, loan review, or a similar commercial financing role within a financial institution.
• A well‑developed understanding of commercial credit production processes that support loan underwriting, portfolio management, and credit‑box administration activities.
• Working familiarity with Regulatory Interagency Guidance on Credit Risk Review Systems.
• Established experience with conducting and managing credit audits, loan review functions, or similar oversight within a banking setting.
• Strong analytical and problem‑solving skills, demonstrating the…