Business Risk Program Director (Commercial Credit Advisor)

Pathward
Sioux Falls, Louisville
Workplace: HybridFull timeUSD 104,000 - 174,000Function: Legal, Risk & ComplianceExperience: 12+ yearsEducation: bachelorsSkills: ["Communication","Collaboration","Analytical thinking","Problem-solving","Independent work"]

Serve as a first-line Commercial Finance Business Risk Group (BRG) advisor embedded in the business, identifying, assessing, and mitigating credit risks tied to Pathward’s strategic, operational, financial, and reputational standing. Act as the primary regulatory advisor, monitor credit risk versus Board Risk Appetite, provide credible challenge across lending lifecycle decisions, and develop training and risk reporting. Leverage data and technology for predictive risk modeling.

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Pathward
Pathward
2 days ago

Business Risk Program Director (Commercial Credit Advisor)

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Job Summary

Serve as a first-line Commercial Finance Business Risk Group (BRG) advisor embedded in the business, identifying, assessing, and mitigating credit risks tied to Pathward’s strategic, operational, financial, and reputational standing. Act as the primary regulatory advisor, monitor credit risk versus Board Risk Appetite, provide credible challenge across lending lifecycle decisions, and develop training and risk reporting. Leverage data and technology for predictive risk modeling.
Location: Sioux Falls, Louisville
Workplace: Hybrid
Employment Type: Full time
Job Function: Legal, Risk & Compliance
Seniority: Director level

Key Responsibilities

  • •Serve as the primary Commercial Finance regulatory advisor to business units, ensuring compliance with laws, regulations, and internal policies.
  • •Monitor the bank’s overall credit risk profile against Board-approved Risk Appetite and support credit culture across the bank.
  • •Provide credible challenge to lending decisions across the lending lifecycle, including problem loan administration, underwriting strategies, risk ratings, nonaccrual status, and collateral valuations.
  • •Administer and participate in credit-related committees and working groups, advising leadership on risk-related decisions.
  • •Monitor regulatory changes, prepare risk reports for stakeholders, and develop training for first-line staff on credit-related topics.

Pay and Benefits

Salary: USD 104,000 - 174,000
Perks:Health Insurance401kLife InsuranceDisability BenefitsPaid Leave

Key Requirements

  • •Bachelor’s degree in Finance, Business, Economics, or a related field (or equivalent).
  • •Master’s degree preferred.
  • •12+ years of experience in regulatory compliance, lending, loan review, or risk management in banking/financial services.
  • •12+ years of commercial credit experience, including exposure to alternative energy, working capital, asset-based lending, equipment finance, leasing, and government-guaranteed lending.
  • •In-depth knowledge of credit program design, regulatory requirements, and risk management best practices, with strong analytical and communication skills.
Experience:12+ yearsBankingFinancial servicesLendingLoan reviewRisk management
Education:Bachelor's in Finance, Business, Economics
Skills:CommunicationCollaborationAnalytical thinkingProblem-solvingIndependent work
Languages:English
Tech Stack:Data analyticsPredictive risk modelingTechnology

Company Brief

Pathward
Provides banking-as-a-service APIs, card issuing, deposit and payment solutions for fintechs, businesses, and partners. Offers integrated banking products including debit cards, program management, and compliance services to enable financial product delivery.
Industry: Fintech Infrastructure
Growth: Established Company
WebsiteLinkedIn