Steve Crain

Managing Director @ Pathward

About

Pathward National Association empowers middle-market companies by delivering tailored senior secured lending, equipment financing, and leasing solutions under my leadership as Managing Director. With over 30 years of experience in commercial finance, I specialize in structuring customized transactions secured by value-retentive assets across industries such as manufacturing, mining, transportation, and maritime. My expertise extends to navigating capital-intensive sectors and fostering long-term client partnerships. Previously, my contributions at Prudential Private Capital, GE Capital and Heller further honed my ability to structure complex secured lending deals for middle market corporate clients. Across my career, I have focused on fostering collaborative team environments, driving growth, and ensuring exceptional portfolio quality. My mission is to provide innovative bespoke financial solutions that enable businesses to scale confidently.

Country

City

United States

Industry

Financial Services

Skill

Business Analysis, Corporate Management, Financial Analysis, A++, Commercial Lending, Sales Management, Corporate Finance, Commercial Finance, Direct Sales, Capital Markets

Experience

Managing Director

Pathward

2021-1 - Present · 5 yrs 9 mos

Atlanta, Georgia, United States

• Manage senior secured lending and leasing for middle market companies in capital-intensive industries, funding assets such as manufacturing, production, mining equipment, trucks, trailers and vessels. • Provide financial solutions for transactions ranging from $1-100+ million, targeting companies in manufacturing, mining, food processing, and electronics. • Successfully support middle market and larger companies in various sectors, such as mining, manufacturing, transportation, and energy.

Vice President - Prudential Capital Group

PGIM

2011-12 - 2020-11 · 9 yrs

Atlanta area, Georgia, United States

• Managed senior secured lending transactions ranging from $15-500+ million for middle market and large corporate clients. • Specialized in secured lending to capital intensive companies with long term funding needs and commercial asset lending requirements. • Targeted middle market companies in capital intensive industries, securing transactions with value retentive assets and strong cash flow.

Senior Managing Director

U.S. Capital Solutions LLC

2009-3 - 2011-12 · 2 yrs 10 mos

• Provided product and market expertise to structure, price, and fund corporate transactions ranging from $1M to $100M+ • Sourced and arranged funding for middle market and large corporate enterprises • Collaborated with clients to secure transactions using integral assets of their business enterprise

Senior Vice President Corporate Lending

GE Capital

2006 - 2009 · 3 yrs

• Structured senior debt, leasing, and equity for middle market to large corporate clients at GE Capital. • Developed innovative financial solutions tailored to clients' needs, driving revenue growth and client satisfaction. • Led cross-functional teams to successfully execute complex financing deals, showcasing strong leadership and collaboration skills.

President - Structured Finance

ORIX Corporation USA

2000 - 2005 · 5 yrs

• Led national platform managing all aspects of Structured Finance Group, generating $1.1 Billion in new business volume. • Elected to U.S. company Board of Directors, overseeing credit, portfolio, legal, and documentation. • Responsible for credit authority and P&L performance, driving strategic business plan execution.

Senior Vice President - Eastern Region Manager

Heller Financial

1993 - 2000 · 7 yrs

• Directed and managed the Eastern Region of the U.S. for Heller Financial, overseeing a team of senior originators, credit professionals, and administration/documentation staff. • Utilized exceptional credit quality experience to make credit decisions and ensure the financial objectives of the region.