Job Description
We are a hybrid, remote-office company dedicated to growing our talent anywhere!
We have onsite locations in: Sioux Falls, SD, Scottsdale, 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 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:
Set and maintain the credit culture and manage new business underwriting process for all transactions. Train and further develop the Underwriting team as well as offer support and guidance for other areas of the organization including portfolio management, legal, and operations.
What You Will Do:
- Review new deal packages prior to assigning Underwriter for significant industry and credit concerns.
- Ensure that deals are underwritten prudently and efficiently. Review credit narratives for content, ensuring that all pertinent credit issues are addressed and approve new transactions underwritten, within authority limits.
- Manage department reporting exceptions and set debtor credit limits which exceed individual Relationship Manager or Underwriter approval authority.
- Manage within set credit quality standards, including remaining within budget on revenue generation, funding/approval ratios, new fundings, and credit quality.
- Interface with National Sales Manager with the underlying goal of promoting funding objectives.
- Work with BDO’s in structuring proposal letters and ultimately approve all proposal letters issued as well as National Sales Manager in training of BDO’s.
- Use CID to manage all facets of the underwriting process.
- Other duties as assigned
What You Will Need:
- Bachelor’s degree or equivalent education and work experience.
- 5+ years relevant experience.
- Ability to effectively lead others.
- Excellent verbal and written communication skills.
- Ability to manage multiple, competing priorities.
The responsibilities listed above are not all inclusive and may be changed at any time.
Salary range: $104,000– $174,000
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? 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. Pathward is an equal employment opportunity employer and considers candidates for roles without regard to their race, sex, national origin, ethnicity, age, disability or any other category protected by law.
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 information, marital status, hair texture or hairstyle, ancestry, service in the uniformed services, protected veteran status, status as a victim of domestic violence or any other class protected by federal, state and local laws.
Please click here to learn more about our benefits and review information about our Privacy Policy, Affirmative Action Plan and other notices. Applicants with disabilities may be entitled to reasonable accommodation under the terms of the Americans with Disabilities Act and certain state or local laws. For assistance completing an application, please contact a Pathward People & Culture Representative by emailing – [email protected]
Please click here to view Pathward’s Applicant Privacy Notice.
Applications will be accepted for a minimum of 3 days after posting, and there is no predetermined date by which applications should be submitted.
Knowingly submitting false information will result in disqualification for consideration of future positions, termination of employment and forfeiture of other rights.
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