Commercial Underwriter Senior

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 area 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*SMARTapproach 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:

Responsible for underwriting loans in a timely manner resulting in an acceptable level of credit risk and an appropriate risk return relationship. Facilitate the booking of new loans ensuring customers understand our companys requirements and their responsibilities. Manage the entire underwriting process through closing.

What You Will Do:

• Underwrite the entire spectrum of lending products regardless of size or complexity in a timely and efficient manner.
• Understand and apply credit policies corporate Program Standards and minimum underwriting standards.
• Collaborate closely with the various Business Development Officers to provide a consultative/value-added credit perspective both prior to proposal issuance and thereafter.
• Review and analyze new deal packages for content and completeness.
• Order and review due diligence and documentation.
• Review and analyze financial statement spreads and understand cash flows.
• Review and understand collateral and financial trends indicated therein.
• On occasion be willing to visit prospect locations and meet management of the business prior to closing for transactions over a predetermined amount.
• Gain a thorough understanding of the prospects business and what is impacting the companys growth or declining performance.
• Review reporting requirements and processing with clients.
• Analyze debtor information in conjunction with Debtor Credit Manager.
• Prepare the credit narrative/CAR (Credit Approval Report) for appropriate approval and/or credit committees.
• Be able to review the closing documentation and effectively negotiate with the prospect client internal/external legal counsel and/or other transaction stakeholders
• Mentor and train analysts and less experienced business development representatives.
• Other duties as assigned.

What You Will Need:

• Bachelors degree or equivalent education and work experience.
• 5 years relevant experience.
• Business Acumen Customer Focus Collaborates Communication Skills Negotiating
• Must have the ability to self-train and quickly adapt to various IT systems and procedures which are utilized by the business on a daily basis.

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

Salary range: $104000 $150000

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 candidates 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

Dont have everything listed under qualifications If youre excited about this role but your experiences dont 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.

Pleaseclick 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

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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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