Business Risk Program Director (Commercial Credit Advisor)

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PathwardFinancial Services
RemoteFull-TimeDirector
Salary$104,000– $174,000
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Job Details

Experience
12+ years of experience in regulatory compliance, lending, loan review, or risk management roles, and 12+ years of commercial credit experience
Required Skills
Risk ManagementData analytics

Requirements

  • Bachelor's degree in Finance, Business, Economics, or related field (Master's preferred).
  • 12+ years of experience in regulatory compliance, lending, loan review, or risk management.
  • 12+ years of commercial credit experience, including 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.
  • Expertise in interpreting and applying regulations, including regulatory risk rating criteria.
  • Strong analytical and data interpretation skills to assess regulatory impacts.
  • Excellent communication and collaboration skills.
  • Proactive, solutions-oriented mindset with the ability to anticipate market changes.
  • Strong critical thinking and problem-solving skills.

Responsibilities

  • Serve as the primary Commercial Finance regulatory advisor to business units to ensure compliance with laws, regulations, and internal policies.
  • Monitor the bank's overall credit risk profile in relation to Board-approved risk appetite.
  • Provide a credible challenge to lending decisions, including problem loan administration, underwriting, risk ratings, and collateral valuations.
  • Develop and provide credit-related training to first line of defense staff.
  • Administer and participate in credit-related committees and working groups.
  • Prepare risk reports and present findings to stakeholders.
  • Leverage data analytics and technology for predictive risk modeling.
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$104,000– $174,000
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