Director, Portfolio

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

We have onsite locations in: Sioux Falls, SD,  Phoenix, 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:

Work cross-functionally to develop and implement credit metrics using both internal and external data, policies, and procedures consistent with industry regulations and best practices as outlined in the Program Standards. Manage a team of credit and portfolio analysts for transaction origination, monitoring existing customers and associated risk rating, develop and report on portfolio exposure and performance, and participate in developing and implementing workout strategies as necessary.

What You Will Do:

• Manage the day-to-day activity of the Alternative Energy Portfolio teams including Credit Analysts, Account Executives and Portfolio Analysts. Perform all managerial duties related to team personnel, including hiring, performance reviews, discipline, coaching, and development.
• Responsibility of managing credit monitoring scorecard and approval authorization levels.
• Develop and document department policies and procedures. Ensure that periodic reviews are performed within established guidelines. Ensure risk ratings are applied according to guidelines and updated in the leasing system.
• Work with Collections, Asset Management Group, and Legal to develop and implement strategy for troubled and/or severely past due accounts to resolve delinquency, forbearance agreements, and payoffs.
• Complete Adverse Assets Reports as required.
• Work with Data Analytics team to develop portfolio reports to monitor exposures, origination sources and trends.
• Utilize portfolio and industry data to manage and update metrics used within credit evaluation
• Review and understand customer documentation and reporting requirements.
• Coordinate responses to internal and external auditor requests for the department.
• Other duties as assigned.

What You Will Need:

• Bachelor's degree or equivalent education and work experience.
• Alternative Energy Portfolio, Underwriting, or Asset Management Experience, including Tax Equity, Sale Lease Back, Syndication, and Participation. 
• 8+ years banking/finance experience.
• Collection or workout experience required.
• Financial statement analysis experience required.
• Familiarity with banking regulations and compliance.
• Prior supervisory or management experience preferred.
• The ability to manage multiple competing priorities. 
• Excellent communication skills including verbal, written, and presentation.
• The ability to partner and influence at various levels, both internally and externally

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

Salary range: $125,000– $208,000

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 – careers@pathward.com

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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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