Business Risk Program Director; Commercial Credit Advisor

Remote

We are a hybrid, remote-office company dedicated to growing our talent anywhere!

We have onsite locations in:
Sioux Falls, SD, Phoenix, 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 area 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.

About the Role:

This position serves as a first line Business Risk Group (BRG) advisor embedded within the business. Responsible for identifying, assessing, and mitigating Commercial Finance risks that could impact Pathward’s strategic, operational, financial, or reputational standing. The individual collaborates extensively with the business underwriting, portfolio, and credit administration teams and second line stakeholders, to align business activities with regulatory expectations and sound risk management practices.

What You Will Do:

• Serves as the primary Commercial Finance regulatory advisor to business units, ensuring compliance with applicable laws, regulations, and internal policies.
• Monitors the bank’s overall credit risk profile in relation to Board approved Risk Appetite.
• Develops strong credit culture within the entire bank.
• Provides a credible challenge to lending decisions across the lifecycle of lending activities including problem loan administration activities, underwriting strategies, appropriateness of risk ratings and non-accrual status, and collateral valuations.
• Develops and provides training to first line of defense staff on credit related topics.
• Administers and participates in credit-related committees and working groups.
• Advises leadership on risk-related decisions.
• Monitors regulatory changes and ensuring compliance.
• Prepares risk reports and presenting findings to stakeholders.
• Leverages data analytics and technology for predictive risk modeling.
• Other duties as assigned.

What You Will Need:

• 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 experience in commercial credit experience, including alternative energy, working capital, asset based lending, equipment finance, leasing and government guaranteed lending, with a 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 to assess the impact of regulatory changes on credit products.
• Excellent communication and collaboration skills to engage with diverse
• A proactive, solutions-oriented mindset, with the ability to anticipate regulatory and market changes and design credit programs accordingly.
• Strong critical thinker with problem-solving skills and the ability to manage complex challenges with a risk-aware approach.
• Ab…