Pathward, N.A. - Business Risk Program Director (Commercial Credit Advisor)

• 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 nonaccrual 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. • Bachelor's degree in Finance, Business, Economics, or a related field or equivalent education and work • Master’s degree preferred. • 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. • Ability to work independently while managing multiple, competing priorities in a fast-paced • The responsibilities listed above are not all inclusive and may be changed at any time.