Business Risk Program Director – Commercial Credit Advisor

🔥 20 hours ago

🌵 Arizona, Kentucky, +4 more states – Remote

🌵 Arizona – Remote 🐎 Kentucky – Remote 🚗 Michigan – Remote 🔔 Pennsylvania – Remote 🗿 South Dakota – Remote 🎸 Tennessee – Remote

💵 $104k - $174k / year

⏰ Full Time

🔴 Lead

📋 Program Manager

👻 Ghost score 4%

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Pathward

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

🛡️ Insurance

💼 Consulting

📦 Logistics

Insurance • Consulting • Logistics

Pathward is a federally registered financial institution that provides robust banking infrastructure, proven technology resource partners, and dynamic collaboration to assist third-party partners in delivering banking programs that meet customer demands. The company focuses on providing a variety of financial solutions including issuing, acquiring, digital payments, credit solutions, and professional tax solutions, among others. Additionally, Pathward supports commercial finance through working capital, equipment finance, structured finance, and insurance premium finance. Committed to financial inclusion, Pathward powers financial access and innovation through strategic partnerships, including efforts to support renewable energy loan growth.

📋 Description

• Serve as a first-line Business Risk Group advisor embedded within the business • Identify, assess, and mitigate Commercial Finance risks affecting strategic, operational, financial, or reputational standing • Collaborate with underwriting, portfolio, credit administration, and second-line stakeholders • Serve as the primary Commercial Finance regulatory advisor to business units • Monitor the bank’s credit risk profile against Board-approved Risk Appetite • Develop a strong credit culture across the bank • Provide credible challenge to lending decisions, including problem loan administration, underwriting strategies, risk ratings, nonaccrual status, and collateral valuations • Develop and deliver credit-related training to first-line-of-defense staff • Administer and participate in credit 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 • Perform other duties as assigned

🎯 Requirements

• Bachelor's degree in Finance, Business, Economics, or a related field or equivalent education and work • 12+ years of experience in regulatory compliance, lending, loan review, or risk management roles, preferably within banking or financial services • 12+ years of commercial credit experience, including alternative energy, working capital, asset based lending, equipment finance, leasing and government guaranteed lending • 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 • Excellent communication and collaboration skills • Proactive, solutions-oriented mindset • Strong critical thinking and problem-solving skills • Ability to manage complex challenges with a risk-aware approach • Ability to work independently while managing multiple, competing priorities in a fast-paced environment

🏖️ Benefits

• Annual performance-based incentive opportunity • Health insurance • 401(k) retirement benefits • Life insurance • Disability benefits • Paid time off • Comprehensive benefits package • Reasonable accommodation under the Americans with Disabilities Act and certain state or local laws