Reese Howell, Jr., Chief Executive Officer and Chairman of the Board

Mr. Howell is the founder, CEO and Chairman of Celtic Bank. He is also the President and Director of Celtic Bank’s parent company, Celtic Investment Inc. Prior to his involvement with Celtic, he served as the President of Salt Lake Mortgage Corp until 2001 when its operations were consolidated with Celtic Bank. Mr. Howell has been involved as a principal, as well as an advisor, in numerous investment banking, merger, acquisition, and joint venture transactions. Mr. Howell obtained his BS in Business Administration from the University of Utah in 1991 with a major in finance, and his MBA from the University of Utah in 1996. Mr. Howell currently serves as a member of the National Advisory Board for the David Eccles School of Business at the University of Utah. Mr. Howell also serves on the Board of Directors and as a member of the Executive Committee for the National Association of Industrial Banks (NAIB). Mr. Howell is active in many civic and community organizations. Mr. Howell is married (Linda) and has two children and two grandchildren.

Wade Newman, President and Director

Mr. Newman joined Celtic Bank in February 2005 after 20 years of experience providing financial leadership to businesses in the public and private sector. From 1999 to 2005, he served as Chief Financial Officer for Mining Services International, Inc., a multi-national manufacturer and distributor of commercial explosives, and formerly a NASDAQ-reporting company. Mr. Newman also served as Chief Financial Officer for Recovery Corporation, a commercial recycling and specialty waste processing company, from 1990 to 1999. From 1985 to 1990, Mr. Newman worked for the multi-national public accounting firm of Ernst & Young. Mr. Newman received his bachelor’s degree in accounting from Brigham Young University in 1985.

Bradley C. Bybee, Chief Lending Officer

Mr. Bybee joined Celtic Bank in 2004 as the Chief Lending Officer. Mr. Bybee has over 20 years of lending experience including leasing, bank operations, commercial and SBA lending, credit analysis, audit, accounting, portfolio management, servicing, liquidation, special assets and departmental management. He attended Weber State University and began his banking career in 1985 at a local bank subsidiary which specialized in equipment leasing and consumer loans. After assisting Grant Thornton in liquidating five failed Utah “Thrift and Loan” companies, Mr. Bybee was hired at Guardian State Bank in 1991 to manage a growing SBA and commercial loan portfolio. Guardian State Bank was later acquired by Community First National Bank in 1998. As a Vice President at Community First National Bank, Mr. Bybee was responsible for a large SBA and commercial loan portfolio located throughout California, Utah, Colorado, Idaho, Wyoming, Arizona, South Dakota, North Dakota and Nebraska. He was responsible for processing, closing, securing collateral, and servicing and liquidating SBA and commercial loans. Mr. Bybee was promoted to manage the bank’s “Special Assets” department before coming to Celtic Bank.

Jake Barney, Chief Financial Officer

Mr. Barney joined Celtic Bank in 2006 and served as the Bank’s Controller until May of 2013. Mr. Barney has been instrumental in helping to grow both the assets and the equity of Celtic Bank by more than 300% while helping to manage the Bank. Mr. Barney began his career in banking in 2002 and has held various accounting and finance positions at multiple financial institutions. Mr. Barney received his BS in Accounting and his Masters of Accounting from the University of Utah.

Timothy J. McGoff, Chief Business Development Officer

Mr. McGoff joined Celtic Bank in 2015 and serves as Chief Business Development Officer. He is responsible for driving business growth through management of national sales teams, development of marketing programs and implementation of new processes and technologies. Tim has over 12 years of Commercial and SBA Lending experience including tenure with Citibank and U.S. Bank. Prior to his financial industry experience, Tim held several business and product development roles within the B2B, enterprise software and retail industries. Tim holds a BA in Economics from the State University of New York at Albany.

Linda M. Howell, Chief Marketing Officer

Mrs. Howell has worked with Celtic Bank since its inception in 2001, and worked with Salt Lake Mortgage for seven years before its operations were consolidated with Celtic Bank. Mrs. Howell has nearly 30 years of experience in all aspects of the mortgage and construction loan industries. In addition to her marketing responsibilities, she works to raise awareness of Celtic Bank and establish working partnerships and sponsorships within the communities served by the bank. Mrs. Howell also serves on the bank’s Executive Committee, and chairs the bank's marketing and events committees. Mrs. Howell holds a bachelor’s degree in English from the University of Utah.

Eric Petersen, Chief Strategy Officer, Director of Credit Sponsorships

Mr. Petersen joined Celtic Bank in 2006 and serves as Chief Strategy Officer, Director of Credit Sponsorships. He is a member of the Board of Directors, Loan Committee, Compliance Committee, and ALCO (Asset/Liability) Committee. Eric develops and implements strategic initiatives for Celtic including credit sponsorship programs, joint ventures and strategic partnerships with leading innovators in fintech, specialty finance and credit cards. Eric is a co-founder of and oversees Celtic’s ABL (asset based lending) program. He previously led Celtic’s initiative to acquire assets from the FDIC and failed institutions. Eric is an experienced investment banker, investor and commercial lender and has strong expertise in deal structuring and origination. Eric’s career includes tenures with private investment firm Ridgeview Capital, investment bank D.A. Davidson & Co., American Skiing Company, Sundance Group, and a U.S. Congressman. He holds an MBA in Entrepreneurial Finance from Babson College, and bachelor degrees in both Economics and Political Science from the University of Utah.

Leslie K. Rinaldi, General Counsel

Ms. Leslie K. Rinaldi was born in Pasadena, California. She has a wide-ranging business background which is bolstered by a master's degree in Business Administration, obtained from California Polytechnic University in 1991, and a master's degree in Science in Technology Management, received from the University of Maryland in 2001. Before attending the University of Utah S.J. Quinney College of Law, she was a consulting project manager and business analyst, as well as a management executive for several software development companies. While in law school, she served as a law clerk in the Division of Commercial Enforcement for the Utah Attorney General’s Office, participated in the U.S. Securities and Exchange Commission’s Summer Honors Program, and served as an extern to the Honorable Judith A. Boulden and William T. Thurman in the United States Bankruptcy Court for the District of Utah. Ms. Rinaldi formerly practiced law with the law firm Anderson & Karrenberg where her practice focused on commercial litigation and transactions.

Michael Fosmark, President – Leasing & Equipment Finance Group

Mr. Fosmark joined Celtic Bank in August 2015 to establish and serve as President of the Celtic Bank Leasing & Equipment Finance Group. Michael has over 30 years of experience in banking including 12 years as the President of Continental Bank, a Utah commercial bank specializing in leasing and equipment finance. Prior to Continental Bank, Michael served as Executive Vice President at Bank of Utah where he served as the bank’s Chief Lending Officer. Michael holds a Bachelor’s degree in Organizational Communications from Utah State University where he was a scholarship football player and team captain. Michael is a graduate of the Pacific Coast Banking School and a board member of the Utah Bankers Association.

Todd Boren, Chief Risk Officer

Mr. Boren joined Celtic Bank in 2016 as its Chief Risk Officer. Mr. Boren has over 25 years of experience in the financial services industry and over 10 years in risk management leadership roles.  Most recently, he was Chief Risk Officer at the American Express Utah based banks. Mr. Boren earned a Bachelor’s of Science degree from the David Eccles School of Business at the University of Utah.

Russ Young, Chief Information Officer

Russ joined Celtic Bank as CIO in July 2019 and leads the IT organization (Software, Data, Systems and Helpdesk). Originally from Wyoming and Idaho, Russ graduated from BYU with an MS in Computer Science. He worked for publishing software provider Folio Corporation for 11 years, first as a Software Engineer and later as the Director of Engineering and the Director of Consulting Services. At Digital Harbor for 9 years, he led the engineering team in building AML and fraud detection tools for large banks, and guided the team through acquisitions by Norkom and BAE Systems. At HSA provider HealthEquity, Russ led the engineering team during high growth and an IPO, growing the teams, improving the engineering culture and processes, and spearheading technology security efforts. Recently he was the VP Engineering at two local healthcare startups SilverVue and Owlet, building world-class engineering teams and delivering innovative technology products. Russ is married and has seven children..