Business Risk Program Director (Commercial Credit Advisor)
About the Role
thenwith that paragraph. - Responsibilities: "What You Will Do:" bullet list. So
Responsibilities
then- each bullet.
- Requirements: "What You Will Need:" includes many items, some are bullet-like sentences. We'll treat as list.
- Qualifications: maybe overlapping with Requirements; but we can treat "What You Will Need:" as Requirements. There's also "Master’s degree preferred." etc. Could also have Skills: maybe "Strong analytical and data interpretation skills..." etc. But we can combine.
We need to avoid duplicate headings. We'll decide sections: About the Role, Responsibilities, Requirements (including qualifications and skills). Benefits: they mention benefits package. Pay: salary range given. Schedule: not mentioned (hybrid remote-office company but no schedule specifics). So we omit Schedule.
We must not include boilerplate like EEO, scam warning, etc.
We need to preserve all substantive information: include the list of onsite locations? That's in first paragraph: "We have onsite locations in: Sioux Falls, SD, Scottsdale, AZ, Louisville, KY, Troy, MI, Franklin, TN, Easton, PA." That's substantive; we should include it maybe in About the Role paragraph or separate? The About the Role section currently only includes the paragraph after "About the Role:" but we could incorporate the earlier company description into About the Role? The instruction: "Use
for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule)." It suggests we can have About the role section. The earlier paragraph about company is not under a heading; we could treat it as part of About the role? But the heading "About the Role:" is explicitly present. The earlier paragraph is more about company overview. Could we create a separate section like "About the Company"? Not in allowed headings. Probably we should incorporate that into About the Role section as preamble. The instruction: "Do NOT repeat the job title as a heading (the page already shows it) and do NOT put Job ID / requisition numbers as headings — fold minor metadata into a short
or drop it." It doesn't forbid adding other content under About the Role heading. So we can put the company overview plus the role description under About the Role. Thus About the Role
About the Role
thencontaining combined company overview and role description. Responsibilities: list from "What You Will Do:" bullet points. Requirements: list from "What You Will Need:" bullet points. Qualifications: maybe we could separate education and experience? But we can combine into Requirements. However we need to follow instruction: "Prefer a few substantive sections over many thin ones." So maybe we have About the Role, Responsibilities, Requirements, Benefits, Pay. That's five sections. We need to ensure we don't include filler like "commensurate with experience" etc. Not present. Now extract specifics. Company overview paragraph: "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." Then after "About the Role:" we have description: "This position serves as a first line Business Risk Group (BRG) advisor embedded within the business. Responsible for identifying, assessing, and mitigating Commercial Finance risks that could impact Pathward’s strategic, operational, financial, or reputational standing. The individual collaborates extensively with the business underwriting, portfolio, and credit administration teams and second line stakeholders, to align business activities with regulatory expectations and sound risk management practices." We'll combine into one paragraph. Responsibilities bullet list (from "What You Will Do:"): each line starts with a verb. List: - 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. Requirements bullet list (from "What You Will Need:"): we need to capture each bullet. List: - 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 Note some bullets are incomplete (e.g., "Excellent communication and collaboration skills to engage with diverse" missing object). We'll keep as is. Benefits: "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." Pay: "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." We'll put that in Pay section. We should not include "Don’t have everything listed under qualifications? ..." etc. That's boilerplate encouragement; maybe we can keep as part of Requirements? It's not a requirement but a note. Might be considered boilerplate? It's encouraging to apply; could be considered not substantive? The instruction: "Remove cookie/navigation/legal/EEO/equal-opportunity/scam-warning boilerplate, duplicated lines, and application instructions." This encouragement is not exactly boilerplate but could be considered application instruction? It's encouraging to apply; maybe we should drop it. Safer to drop. Also drop "Who we are: Our commitment to inclusion is woven into our DNA..." etc. That's EEO boilerplate; drop. Also drop "Please click here to learn more about our benefits..." etc. Thus final HTML:
About the Role
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. This position serves as a first line Business Risk Group (BRG) advisor embedded within the business. Responsible for identifying, assessing, and mitigating Commercial Finance risks that could impact Pathward’s strategic, operational, financial, or reputational standing. The individual collaborates extensively with the business underwriting, portfolio, and credit administration teams and second line stakeholders, to align business activities with regulatory expectations and sound risk management practices.
Responsibilities
- 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.
Requirements
- 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