Account Executive II, Structured Finance (SBA)

Pathward, N.A.; Deutschland; Hybrid; EUR 62.000 - 104.000; Vollzeit

Benefits dieser Stelle

Health insurance

401(k) retirement benefits

Life insurance

Disability benefits

Paid time off

Zusammenfassung

Pathward, N.A. is seeking a seasoned professional to manage a structured finance portfolio, ensuring compliance with SBA and USDA standards while optimizing profitability and risk management.

You will strengthen client and stakeholder partnerships through proactive oversight and credit analysis. Responsibilities include reviewing credit facilities, coordinating with internal teams, and presenting portfolio findings to leadership.

Qualifikationen

• Bachelor's degree or equivalent education and work experience.
• 3+ years relevant experience in lending or portfolio management.
• Customer service and strong communication skills.
• Ability to collaborate across teams and with clients.
• Knowledge of SBA 7(a), USDA B&I, REAP and BIA programs.

Aufgaben

• Manage portfolio through full knowledge of client’s financial condition, management’s performance and industry trends.
• Review and process loan advances for pre-development, development, construction, and revolving credit facilities; coordinate with vendors and internal teams.
• Conduct ongoing credit assessments, monitor account performance, and identify emerging risks or opportunities.
• Build and maintain strong relationships with clients, vendors, manufacturers, and internal partners to support deal flow.
• Oversee problem loans and workout credits by coordinating with credit and risk teams and guiding clients toward resolution strategies.
• Coordinate with auditors, regulatory agencies, and SBA/USDA representatives; provide required documentation and respond to inquiries.
• Prepare quarterly and annual portfolio reviews and present key findings to leadership.
• Structure and underwrite changes to existing deals for management.
• Other duties as assigned.

Kenntnisse

Customer service

Communication skills

Collaboration

Financial acumen

Government lending knowledge

Ausbildung

Bachelor's degree or equivalent

Jobbeschreibung

We are a hybrid, remote-office company dedicated to growing our talent anywhere!

We have onsite locations in: Sioux Falls, SD, Scottsdale, AZ, Louisville, KY, Troy, MI, Franklin, TN, Easton, PA.

At Pathward, we take tremendous pride in our purpose to create financial inclusion for all™.We area financial empowerment company that works with innovators to increase financial availability, choice, and opportunity for all. We strive to remove barriers that traditional institutions put in the way of financial access, and promote economic mobility by providing responsible, secure, high quality financial products.

We are a team of problem solvers and innovators who celebrate our differences and know that our unique perspectives make us stronger and well-positioned for success. We celebrate, and embrace, our team members through our*HUMBLE*HUNGRY*SMARTapproach, and we believe that we are strongest when we embrace the voices of our employees, customers, partners, and the communities we serve.

About the Role

Manage all aspects of an assigned Structured Finance portfolio, ensuring each relationship meets corporate, SBA, and USDA standards for risk management, profitability, and regulatory compliance. Strengthen client and stakeholder partnerships through proactive portfolio oversight, credit analysis, and solution‑oriented support across complex financing structures.

What You Will Do

• Manage portfolio through complete and current knowledge of client’s financial condition, management’s performance and industry trends, and take timely action so client losses are minimized and do not exceed budgeted standards.
• Review and process loan advances for pre‑development, development, construction, and revolving credit facilities. Coordinate with third‑party vendors, clients, and internal teams to ensure all disbursements are accurate, in compliance, and completed in a timely manner.
• Conduct ongoing credit assessments, monitor account performance, and proactively identify emerging risks or opportunities within the portfolio by reviewing financial statements, covenant compliance, and production reports.
• Build and maintain strong relationships with clients, vendors, manufacturers, and internal partners to support deal flow and enhance customer experience
• Oversee problem loans and workout credits by developing action plans, coordinating with credit and risk teams, and guiding clients toward resolution strategies that protect portfolio performance.
• Coordinate and collaborate with internal and external auditors, regulatory agencies, and SBA/USDA representatives by providing required documentation, responding to inquiries, and supporting timely and accurate audit and review processes.
• Prepare quarterly and annual portfolio reviews and present key findings, trends, and risk assessments to Pathward’s credit and executive leadership teams.
• Structure and underwrite changes to existing deals for management
• Other duties as assigned.

What You Will Need

• Bachelor's degree or equivalent education and work experience.
• 3+ years relevant experience.
• Customer service
• Communication skills (verbal & written)
• Collaboration
• Financial Acumen
• Familiarity with Government Guaranteed Lending Programs, including but not limited to SBA (7a), USDA B&I, REAP and BIA

The responsibilities listed above are not all inclusive and may be changed at any time.

Salary range: $72,000 – $120,000

The salary range reflects the minimum and maximum target for a new hire in this role. Individual pay within the range will be determined by multiple factors which can include but are not limited to a candidate’s experience, qualifications, skills, and location. Your recruiter can share more about the specific salary for your location during the hiring process. Ranges may be modified in the future.

This role is also eligible for an annual performance-based incentive opportunity.

Pathward offers a comprehensive benefits package for eligible employees,

• health insurance
• 401(k) retirement benefits
• life insurance
• disability benefits
• paid time off
• and more

Pathward is an equal employment opportunity employer and considers candidates for roles without regard to their race, sex, national origin, ethnicity, age, disability or any other category protected by law.

Who we are

Our commitment to inclusion is woven into our DNA. We believe that we are strongest when we embrace the voices of our employees, customers, partners, and the communities we serve.

We provide equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, ethnicity, religion, sex, sexual orientation, gender identity, transgender status, pregnancy, national origin, age (age 40 and over), disability, genetic information, marital status, hair texture or hairstyle, ancestry, service in the uniformed services, protected veteran status, status as a victim of domestic violence or any other class protected by federal, state and local laws.

Candidate Scam Warning

We encourage you to be cautious of hiring scams that impersonate Pathward. Copy and paste the following URL into your browser to learn more: https://www.pathward.com/about-us/people-culture/careers/

Knowingly submitting false information will result in disqualification for consideration of future positions, termination of employment and forfeiture of other rights.