Business Risk Program Director (Commercial Credit Advisor)

Pathward, National Association; United States; Hybrid; USD 104,000 - 174,000; Full time

Benefits offered by this job

Health insurance

401(k) retirement benefits

Life insurance

Disability benefits

Paid time off

Job summary

Pathward, National Association is seeking an experienced Commercial Finance Risk Advisor to join our hybrid workforce in the United States. This role embeds within the BRG to identify, assess, and mitigate regulatory and credit risks across lending activities.

You will collaborate with underwriting, portfolio, and credit administration teams to align activities with regulatory expectations and strong risk practices. A senior professional with 12+ years in banking risk is preferred.

Qualifications

• Bachelor's degree in Finance, Business, Economics, or related field or equivalent education/work.
• Master's degree preferred.
• 12+ years in regulatory compliance, lending, loan review, or risk management.
• 12+ years commercial credit experience including energy, working capital, asset-based lending, equipment finance, leasing, and government guaranteed lending.
• Strong knowledge of credit program design, regulatory requirements, and risk management.

Responsibilities

• Serve as primary Commercial Finance regulatory advisor to business units.
• Monitor bank's credit risk profile relative to Risk Appetite.
• Develop strong credit culture across the bank.
• Provide challenge to lending decisions across lifecycle of lending activities.
• Develop training for first line of defense on credit topics.
• Administer credit-related committees and working groups.
• Advise leadership on risk-related decisions.
• Monitor regulatory changes and ensure compliance.
• Prepare risk reports and present findings to stakeholders.
• Leverage data analytics and technology for predictive risk modeling.

Skills

Regulatory compliance

Credit risk

Data analytics

Lending knowledge

Regulatory frameworks

Communication

Education

Bachelor's degree

Master's degree preferred

Job description

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*SMART approach, 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:

This position serves as a first line Business Risk Group (BRG) advisor embedded within the business. Responsible for identifying, assessing, and mitigating Commercial Finance risks that could impact Pathward's strategic, operational, financial, or reputational standing. The individual collaborates extensively with the business underwriting, portfolio, and credit administration teams and second line stakeholders, to align business activities with regulatory expectations and sound risk management practices.

What You Will Do:

• Serves as the primary Commercial Finance regulatory advisor to business units, ensuring compliance with applicable laws, regulations, and internal policies.
• Monitors the bank's overall credit risk profile in relation to Board approved Risk Appetite.
• Develops strong credit culture within the entire bank.
• Provides a credible challenge to lending decisions across the lifecycle of lending activities including problem loan administration activities, underwriting strategies, appropriateness of risk ratings and nonaccrual status, and collateral valuations.
• Develops and provides training to first line of defense staff on credit related topics.
• Administers and participates in credit-related committees and working groups.
• Advises leadership on risk-related decisions.
• Monitors regulatory changes and ensuring compliance.
• Prepares risk reports and presenting findings to stakeholders.
• Leverages data analytics and technology for predictive risk modeling.
• Other duties as assigned.

What You Will Need:

• Bachelor's degree in Finance, Business, Economics, or a related field or equivalent education and work
• Master's degree preferred.
• 12+ years of experience in regulatory compliance, lending, loan review, or risk management roles, preferably within banking or financial services.
• 12+ years of experience in commercial credit experience, including alternative energy, working capital, asset based lending, equipment finance, leasing and government guaranteed lending, with a strong understanding of relevant regulatory frameworks.
• In-depth knowledge of credit program design, regulatory requirements, and risk management
• Expertise in interpreting and applying regulations, including regulatory risk rating criteria and risk management best practices.
• Strong analytical and data interpretation skills to assess the impact of regulatory changes on credit products.
• Excellent communication and collaboration skills to engage with diverse
• A proactive, solutions-oriented mindset, with the ability to anticipate regulatory and market changes and design credit programs accordingly.
• Strong critical thinker with problem-solving skills and the ability to manage complex challenges with a risk-aware approach.
• Ability to work independently while managing multiple, competing priorities in a fast-paced

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

Salary range: $104,000- $174,000

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, including health insurance, 401(k) retirement benefits, life insurance, disability benefits, paid time off, and more.

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.

Applications will be accepted for a minimum of 3 days after posting, and there is no predetermined date by which applications should be submitted.

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