VP, Portfolio & Underwriting; Alternative Energy

Remote. 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*SMART approach, and we believe that we are strongest when we embrace the voices of our employees, customers, partners, and the communities we serve.

The VP, Portfolio and Underwriting sets and maintains the organization’s credit culture while leading the underwriting of all new business transactions. The role develops and implements credit origination practices grounded in internal and external data, Program Standards, and industry regulations. This leader oversees underwriting and portfolio teams responsible for transaction evaluation, customer monitoring, risk rating, portfolio exposure analysis, and performance reporting.

The VP also partners cross‑functionally with legal, operations, and other business units, contributes to workout strategies, and is accountable for training and developing a high‑performing underwriting and portfolio team.

• Oversee day‑to‑day operations of the Underwriting & Portfolio teams, including all Account Executives and Commercial Underwriters.
• Perform full managerial duties, including hiring, performance evaluations, coaching, discipline, and staff development.
• Ensure prudent, efficient underwriting by reviewing credit narratives and approving transactions within delegated authority limits.
• Manage department‑level reporting exceptions and establish debtor credit limits exceeding individual approval authority.
• Maintain compliance with credit quality standards, including revenue targets, funding ratios, approval ratios, and portfolio performance metrics.
• Manage credit origination scorecards and approval authorization levels.
• Develop, document, and maintain departmental policies and procedures; ensure periodic reviews and proper application of risk ratings.
• Utilize CID and related systems to guide and oversee all facets of the underwriting process.
• Collaborate with BDOs and Revenue leaders to structure proposal letters and provide final approval for all proposals issued; support training of BDOs alongside the Revenue leadership team.
• Partner with Revenue leadership to support sales alignment and funding objectives.
• Work with Collections, Asset Management, and Legal to develop strategies for resolving distressed, delinquent, or troubled accounts.
• Collaborate with the Data Analytics team to develop portfolio reporting, monitor origination trends, and refine credit origination metrics.
• Coordinate responses to internal and external auditor requests and ensure compliance with documentation and reporting requirements.
• Other duties as assigned.

• Bachelor's degree or equivalent education and work experience. Master's degree preferred.
• Typically 12+ years with bachelor's or equivalent.
• Ability to effectively lead others.
• Excellent verbal and written communication skills.
• Ability to manage multiple, competing priorities.
• The ability to partner and influence at various levels, both internally and externally.
• Alternative Energy Portfolio, Underwriting or Asset Management experience.
• Prior people leadership.

• Prior OCC regulated bank experience.
• 10+ years of interdisciplinary commercial finance experience (Alternative Energy, C&I, CRE).
• Experience leading several, cross‑functional teams with an emphasis on Alternative Energy.

Salary range: $150,000 – $227,000.

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.

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.