Remote Commercial Risk & Credit Program Director

Pathward Financial, Inc.; Northern (KY); 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 Financial, Inc. is seeking a Business Risk Program Director (Commercial Credit Advisor) to serve as a first line BRG advisor embedded within the business.

The role identifies, assesses, and mitigates commercial finance risks that could affect Pathward’s strategic, operational, financial, or reputational standing. You will collaborate with underwriting, portfolio, and credit administration teams and second line stakeholders to align activities with regulatory expectations and sound risk

Qualifications

• Bachelor's degree in Finance, Business, Economics, or related field or equivalent education and work
• 12+ years regulatory compliance, lending, loan review, or risk management experience
• 12+ years commercial credit experience including various lending types
• Knowledge of credit program design and regulatory risk rating criteria
• Strong analytical and data interpretation skills
• Excellent communication and collaboration skills

Responsibilities

• Serves as the primary regulatory advisor to business units, ensuring compliance with laws and internal policies.
• Monitors credit risk profile in relation to Risk Appetite approved by the Board.
• Develops credit culture within the bank.
• Challenges lending decisions across the lifecycle including underwriting and collateral valuations.
• Develops training for first line of defense staff on credit topics.
• Participates in credit-related committees and working groups.
• Advises leadership on risk-related decisions.
• Monitors regulatory changes and ensures compliance.
• Prepares risk reports and presents findings to stakeholders.
• Leverages data analytics and technology for predictive risk modelling.

Skills

Regulatory compliance

Credit risk management

Credit program design

Data analytics

Regulatory interpretation

Stakeholder collaboration

Problem solving

Education

Bachelor's degree or equivalent in Finance/Business/Economics

Job description

Pathward Financial, Inc. is seeking a Business Risk Program Director (Commercial Credit Advisor) to serve as a first line BRG advisor embedded within the business.

The role identifies, assesses, and mitigates commercial finance risks that could affect Pathward’s strategic, operational, financial, or reputational standing. You will collaborate with underwriting, portfolio, and credit administration teams and second line stakeholders to align activities with regulatory expectations and sound risk