Senior Credit Risk & Compliance Director

Pathward, N.A.; Sioux Falls (SD); Remote; 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

Annual performance-based incentive

Job summary

Pathward, N.A. is seeking a Business Risk Program Director (Commercial Credit Advisor) to act as a first-line advisor within the Business Risk Group.

The role focuses on identifying, assessing, and mitigating commercial finance risks while collaborating with underwriting, portfolio, and credit administration to align with regulatory expectations. The position requires 12+ years in regulatory compliance and commercial credit, with a strong ability to design credit programs and interpret

Qualifications

• Bachelor's degree in Finance, Business, Economics, or related field.
• 12+ years in regulatory compliance or risk management in banking or financial services.
• 12+ years in commercial credit, including energy, working capital, asset-based lending, equipment finance.
• Deep knowledge of credit program design, regulatory requirements, and risk management.
• Ability to interpret regulations and risk-rating criteria.
• Strong analytical and data interpretation skills.
• Excellent communication and collaboration skills.
• Proactive, solutions-oriented mindset.
• Ability to work independently with multiple priorities.

Responsibilities

• Serve as primary Commercial Finance regulatory advisor to business units.
• Monitor credit risk profile against Board-approved Risk Appetite.
• Develop strong credit culture across the bank.
• Provide credible challenge to lending decisions across the lifecycle.
• Develop training for first line staff 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 for predictive risk modeling.
• Other duties as assigned.

Skills

Regulatory compliance

Credit risk

Lending experience

Data interpretation

Communication

Project management

Risk assessment

Education

Bachelor's degree in Finance, Business, Economics, or related field

Job description

Pathward, N.A. is seeking a Business Risk Program Director (Commercial Credit Advisor) to act as a first-line advisor within the Business Risk Group.

The role focuses on identifying, assessing, and mitigating commercial finance risks while collaborating with underwriting, portfolio, and credit administration to align with regulatory expectations. The position requires 12+ years in regulatory compliance and commercial credit, with a strong ability to design credit programs and interpret