Underwriter II, USDA Generalist

Pathward, National Association; United States; Hybrid; USD 72,000 - 120,000; Full time

Benefits offered by this job

Health insurance

401(k) retirement benefits

Life insurance

Disability benefits

Paid time off

Hybrid work model

Job summary

Pathward, National Association is seeking a Senior Loan Underwriter to manage the full underwriting lifecycle, ensuring timely processing, risk-adjusted returns, and seamless handoffs to Account Executives. You will interpret credit policies, assess collateral, and mentor junior staff while maintaining strong client relationships.

The role emphasizes responsible credit decisions, cross-functional collaboration, and adherence to policy while supporting the company’s hybrid/remote work model and

Qualifications

• Bachelor's degree or equivalent education and work experience.
• 3+ years relevant experience.
• Business Acumen, Customer Focus, Collaborates, Communication Skills, Negotiating

Responsibilities

• Underwrite the entire spectrum of lending products, regardless of size or complexity, in a timely and efficient manner.
• Understand and apply credit policies and minimum underwriting standards.
• Collaborate with Business Development Officers to provide a consultative credit perspective.
• Review and analyze new deal packages for content and completeness; conduct initial interviews with prospects.
• Order and review due diligence and documentation.
• Review financial statement spreads and cash flows.

Skills

Business Acumen

Customer Focus

Collaborates

Communication Skills

Negotiating

Education

Bachelor's degree

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 are a 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:

Responsible for underwriting loans in a timely manner, resulting in an acceptable level of credit risk and an appropriate risk return relationship. Facilitate the booking of new loans, ensuring customers understand our company's requirements and their responsibilities. Manage the entire underwriting process through closing, and affect a smooth transition to Account Executives.

What You Will Do:

• Underwrite the entire spectrum of lending products, regardless of size or complexity, in a timely and efficient manner.
• Understand and apply credit policies and minimum underwriting standards.
• Collaborate closely with the various Business Development Officers to provide a consultative/value-added credit perspective, both prior to proposal issuance and thereafter.
• Review and analyze new deal packages for content and completeness and conduct initial interviews with prospects.
• Order and review due diligence and documentation.
• Review and analyze financial statement spreads and understand cash flows.
• Review field examinations and understand collateral and financial trends indicated therein.
• Visit prospect locations and meet management of the business prior to closing for transactions over a predetermined amount.
• Gain a thorough understanding of the prospect's business and the company's asset conversion cycle.
• Review reporting requirements and processing with clients.
• Analyze debtor information in conjunction with Debtor Credit Manager.
• Prepare the credit narrative for appropriate approval.
• Conduct and document the pre-funding process and oversee the efforts of the Client Analyst assigned to the transaction.
• Oversee closing documentation process and effectively negotiate with prospect.
• Mentor and train analysts, field examiners and less experienced business development representatives.
• Other duties as assigned.

What You Will Need:

• Bachelor's degree or equivalent education and work experience.
• 3+ years relevant experience.
• Business Acumen, Customer Focus, Collaborates, Communication Skills, Negotiating

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

#LI-Remote

Don't have everything listed under qualifications? If you're excited about this role but your experiences don't match exactly to everything in the posting, we encourage you to apply anyway. You may be just the right candidate for this or other Pathward roles. 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.

Pleaseclick here to learn more about our benefits and review information about our Privacy Policy, Affidative Action Plan and other notices. Applicants with disabilities may be entitled to reasonable accommodation under the terms of the Americans with Disabilities Act and certain state or local laws. For assistance completing an application, please contact a Pathward People & Culture Representative by emailing - [e-mail]

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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.