Credit Review Officer Senior (Commercial Credit Review)

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

We have onsite locations in: Sioux Falls, SD,  Scottsdale, AZ,  Troy, MI,  Franklin, TN,  Dallas, TX

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. 

About the Role:

Performs risk-based asset quality and risk rating focused credit review and stress testing engagements covering the commercial loan and commercial lease portfolios. As a second line of defense within the organization, provides assurance to the Board of Directors, Executive Management, regulators, and all stakeholders regarding compliance with the governing credit policy and other related policies and program standards.

What You Will Do:

• Reviews, analyzes, and assesses risks in the organization’s commercial loan, commercial lending, and commercial leasing portfolios. This can include asset-based lending, commercial real estate, cashflow/enterprise value lending, commercial equipment leasing, SBA and/or USDA government guaranteed commercial lending programs, and factoring/accounts receivable-based commercial lending portfolios.
• Identifies risk, develops effective mitigation strategies, and reports and monitors issues through resolution.
  Assists in validating risk ratings assigned to new and existing commercial credits. Identifies emerging risks unique to key industries, clients, or product lines that may impact general asset quality trends of the commercial credit portfolios being reviewed.
• Monitors trends identified in credit review and stress testing engagements, completes root cause analysis, makes recommendations and summarizes findings to senior management and board of directors.
• Vets key findings and issues through exit meetings and summarize responses in written reports to be used by regulatory agencies and both internal and external audit.
• Other duties as assigned.

What You Will Need:

• Bachelor's degree or equivalent education and work experience.
• 5+ years relevant experience.
• Attention to detail.
• The ability to work both independently and in a group setting.
• The ability to balance multiple, competing priorities.

The responsibilities listed above are not all inclusive and may be changed at any time.

Salary range:  $69,098.54 – $127,614.10

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? Studies have shown that women and people of color are less likely to apply to jobs unless they meet every single condition. At Pathward, we are dedicated to building a diverse and inclusive culture of belonging, so 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.

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 informati