Client Analyst II

Pathward; Sioux Falls, Northern (SD, KY); Hybrid; USD 60,000 - 101,000; Full time

Benefits offered by this job

Health insurance

401(k) retirement benefits

Life insurance

Job summary

Pathward is seeking a skilled professional to manage a portfolio of accounts, assist clients with funding requests and servicing issues, and enforce loan policies. You will monitor collateral performance, identify risks, and provide detailed reports while maintaining strong client relationships and regulatory compliance.

The role offers a hybrid work model with multiple onsite locations and comprehensive benefits.

Qualifications

• Bachelor's degree or equivalent education and work experience.
• Detail oriented, analytical and team-oriented.
• Customer focus with dedication to meeting clients' needs.

Responsibilities

• Manage a portfolio of accounts by assisting clients with funding requests and servicing issues.
• Monitor loan collateral performance and support credit decisions.
• Identify red flags, assess risk, and propose solutions.
• Maintain outstanding customer service with clients, prospects, and internal stakeholders.
• Ensure compliance with company policies and regulatory guidelines.
• Process funding requests, purchase batches, borrowing certificates, and client requests.
• Provide regular and ad hoc reporting as required.
• Analyze client-by-client performance trends to identify risks to the bank.
• Resolve debtor issues and secure collateral while balancing company and client needs.
• Handle diverse portfolio of ABL/Factoring with multiple collaterals.

Skills

Portfolio management

Credit analysis

Customer service

Education

Bachelor's degree or equivalent

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*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 a portfolio of accounts by assisting clients with funding requests and servicing issues, including enforcing Loan Agreements/Purchase Agreements, Standard Operating Procedures, and Credit Policies.

What You Will Do:

• Maintain a portfolio of accounts including preventing operational risk rating downgrades, reconciling and funding accounts and performing collection activities.
• Monitor the performance of the loan collateral and support the Account Executives in providing detail of the collateral performance in efforts to make the best credit decisions possible.
• Identify red flags, assess risk, and recommend solutions/findings to the appropriate representatives.
• Maintain outstanding customer service to clients, prospects, account debtors, vendors, and all internal stakeholders.
• Responsible for maintaining compliance with all company and regulatory policies and guidelines.
• Process funding requests, purchase batches, borrowing certs, and client requests.
• Provide all regular and ad hoc reporting requirements.
• Recognize and analyze positive or negative trends on a client by client basis to identify and mitigate potential risks to the bank.
• Address any debtor issues or concerns with the client to find a resolution and secure collateral.
• Effectively balance the needs of the Company and the Client; make timely decisions.
• Manages diverse portfolio of ABL/Factoring with multiple collaterals.
• Other duties as assigned.

What You Will Need:

• Bachelor's degree or equivalent education and work experience.
• 3+ years relevant experience.
• Detail oriented
• Functional/technical skills
• Analytical and instinctive
• Teamwork - willingness to assist team members
• Customer focus and dedication to meeting clients needs

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

Salary range: $60,000 – $100,500

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.

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.

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

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