Pathward

Account Executive

• Manage all aspects of an assigned portfolio of accounts
• Ensure the relationships meet corporate standards for risk and financial controls
• Manage portfolio through complete and current knowledge of client’s financial condition
• Responsible for ensuring all advances and loans comply with loan policy
• Attain an acceptable contribution to overhead and/or profit from each client arrangement
• Responsible for documenting all relationships to ensure approved legal documentation
• Resolve factoring and asset based lending service problems
• Propose changes in policies and procedures to reduce costs
• Develop and operate within individual budget to control expenses
• Structure and underwrite changes to existing deals

Account Executive I – Structured Finance

• Manage portfolio through complete and current knowledge of client’s financial condition, management’s performance and industry trends, and take timely action so client losses are minimized and do not exceed budgeted standards.
• Manage a diverse portfolio of equipment finance clients, ensuring each relationship meets corporate standards for credit quality, profitability, and compliance.
• Conduct ongoing credit assessments, monitor account performance, and proactively identify emerging risks or opportunities within the portfolio.
• Build and maintain strong relationships with clients, vendors, manufacturers, and internal partners to support deal flow and enhance customer experience.
• Oversee problem loans and workout credits by developing action plans, coordinating with credit and risk teams, and guiding clients toward resolution strategies that protect portfolio performance.
• Propose changes in policies and procedure to reduce costs and provide better and more efficient services.
• Develop and operate within individual budget to control expenses.
• Structure and underwrite changes to existing deals for management approval.
• Other duties as assigned.

Account Executive II – Equipment Finance

Underwriter

• Oversees day‑to‑day operations of the Underwriting & Portfolio teams, including all Account Executives and Commercial Underwriters.
• Performs full managerial duties, including hiring, performance evaluations, coaching, discipline, and staff development.
• Ensures prudent, efficient underwriting by reviewing credit narratives and approving transactions within delegated authority limits.
• Manages department‑level reporting exceptions and establish debtor credit limits exceeding individual approval authority.
• Maintains compliance with credit quality standards, including revenue targets, funding ratios, approval ratios, and portfolio performance metrics.
• Manages credit origination scorecards and approval authorization levels.
• Develops, documents, and maintains departmental policies and procedures; ensure periodic reviews and proper application of risk ratings.
• Utilizes CID and related systems to guide and oversee all facets of the underwriting process.
• Collaborates with BDOs and Revenue leaders to structure proposal letters and provide final approval for all proposals issued; support training of BDOs alongside the Revenue leadership team.
• Partners with Revenue leadership to support sales alignment and funding objectives.
• Works with Collections, Asset Management, and Legal to develop strategies for resolving distressed, delinquent, or troubled accounts.
• Collaborates with the Data Analytics team to develop portfolio reporting, monitor origination trends, and refine credit origination metrics.
• Coordinates responses to internal and external auditor requests and ensure compliance with documentation and reporting requirements.
• Other duties as assigned.

VP, Portfolio & Underwriting

Auditor

• Independently plans and executes complex, risk‑based audits with a primary focus on BSA/AML, sanctions (OFAC), and Partner Solutions
• Set clear objectives/scope/criteria; identify key risks and controls; tailor procedures to business model and risk profile
• Evaluate BSA/AML program pillars, governance and oversight, risk assessments, internal controls, policies and standards
• Test financial‑crimes processes: CIP/KYC/CDD/EDD, customer risk rating, watchlist screening, transaction monitoring, investigations, SAR/CTR obligations
• Assess sanctions (OFAC) compliance; audit Partner Solutions (BaaS) and related third-party oversight
• Use data analytics to profile population risk, select samples, and detect anomalies
• Produce clear, evidence‑based findings with root‑cause analysis and business impact

Account Executive I – Structured Finance

Account Executive II – Equipment Finance

VP, Portfolio & Underwriting

BSA/AML/OFAC Compliance Auditor III