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First National Bank of Omaha Head of Credit Risk, Commercial Payments in United States

At FNBO, our employees are the heart of our story—and we’re committed to their success! Please see below the details of this career opportunity and how it fits into our organization’s success.

Our Modern, Flexible Workplace:

We believe in a Modern, Flexible Workplace, and we are continuously exploring advancements in technology and office environments to make it easier to work from anywhere at any time, allowing for more flexibility in where and how you work. We know that choice and flexibility are important to you. We also recognize that flexible and remote positions can become opportunities for military partners, caregivers, and individuals with disabilities to thrive at our company. We invite you to consider what a Modern, Flexible Workplace can mean for you!

It is anticipated that an incumbent in this role will work remotely for three (3) or more days a week and will share a hoteling workspace when working onsite. Work location is subject to change based on business needs.

Summary of the Job:

The Head of Credit Risk, Commercial Payments is a key strategic contributor to evolving the Commercial Payments strategy at FNBO. This is a critical credit/operational risk leadership role responsible for underwriting and credit review of high dollar commercial payment products primarily on unsecured terms. It is responsible for the credit risk strategy for FNBO products managed by the Commercial Payments/Treasury business line such as ACH/ Third Party Sender, Wires, Large ($1MM+) Commercial Credit Cards including Virtual Cards, Global Banking Transactions, and Merchant Services. The role will also be responsible for oversight of counter party risk. This individual will play a key partner role with the Credit Policy Committee, the Loan Committee, to facilitate growth within FNBO’s long term risk appetite.

About This Role:

Key Responsibilities:

  • Partner with cross-functional partners, and stakeholders to deliver sustained growth through prudent risk practices.

  • Develop and implement a best-in-class relationship-based review and approval process for all credit and other loss exposure products related to the Commercial Payments/Treasury business line.

  • Monitor Commercial Payments portfolio quality. Report on relevant portfolio trends to FNBO Credit Leadership and other stakeholders and propose relevant changes in policy, concentration limits, risk rating process, as new internal or external trends emerge.

  • Work with Commercial Payments leadership to ensure negotiated terms and conditions of all loans/exposure secured and unsecured adhere to bank policy.

  • Lead a team of Commercial Payments credit analysts; develop and manage to appropriate standards of performance. Identify gaps in expertise and obtain organizational commitment to hire talent to address deficiencies.

  • Support the business growth, sales and credit activities in the business line.

  • Deliver on Credit and FNBO strategic initiatives.

  • Represent credit risk management at executive and credit committee meetings (FNNI Credit Policy Committee, FNNI Loan Committee, FNNI/FNBO Special Assets Committee)

The Ideal Candidate for This Role:

Qualifications:

  • 10+ years of experience managing underwriting policy and monitoring portfolio performance for commercial credit cards with multi-million dollar borrower commitments.

  • Demonstrated in depth knowledge of credit and operational risks in the Commercial Payments/Treasury business: Large ($1MM+) Commercial Cards, Virtual Cards, Third party Sender/ACH, Merchant Services, Global Banking, and emerging new technologies and products.

  • Demonstrated experience in leading change, with a track record of identifying and implementing opportunities to improve business operations and performance.

  • Demonstrated success in working across business lines to drive business decisions.

  • Education Level: Bachelor's Degree, Master’s Degree preferred in finance or economics.

Leadership Attributes:

  • Strategic Visioning: Defines and articulates the future state through an understanding of internal and external challenges, identifying unique opportunities to create value.

  • Creativity & Innovation: Generates or facilitates the generation of new ideas, methods, product, or solutions.

  • Assertiveness & Courage: Takes action in the face of challenges, despite fear of failure or feelings of discomfort and uncertainty.

  • Building Talent: Focuses on selecting and managing the organization’s talent to ensure retention and availability of critical skills needed to meet business needs.

  • Change Leadership: Initiates and facilitates organization changes and business transformation.

  • Decision Making: Selects a course of action from different alternatives to reduce risk and uncertainty and to create optimal outcomes.

Equity, Diversity, & Inclusion:

FNBO is committed to belonging, inclusion, diversity and equity. We are committed to intentionally and proactively creating pathways to success for historically underrepresented populations. To accomplish this, we foster a culture of belonging and inclusion so that every employee is valued, and has opportunity and the ability to make an impact. FNBO strives to reflect the diversity of the communities we serve in the makeup of our workforce.

See the full FNBO Equity, Diversity, & Inclusion Statement here (https://www.fnbo.com/about-us/inclusion-diversity/)

All qualified applicants will receive consideration for employment without regard to age, race, color, religion, sex, sexual orientation, gender identity, national origin, protected veteran status, or disability status.

Click here (https://www.firstnational.com/common/communications/hr/assets/documents/hr/eeo_poster.pdf) to download 'EEO is The Law' Self-Print Poster

Click here (https://www.firstnational.com/common/communications/hr/assets/documents/hr/eeo_poster_federal_contractors.pdf) to download 'EEO is The Law' Supplement for Federal Contractors

Click here (https://www.firstnational.com/common/communications/hr/assets/documents/hr/eeo_poster_gina_supplement.pdf) to download 'EEO is The Law' GINA Supplement

Application Deadline:

All our jobs will be posted for a minimum of 5 calendar days. Job postings may come down prior to 5 calendar days based on volume of applicants.

Grow Your Career with FNBO!

For more than 165 years, our holding company - First National of Nebraska - has grown to nearly 5,000 employees with locations in eight states and $30 billion in assets. We are proud to serve our customers and communities with banking offices located in Nebraska, Colorado, Illinois, Iowa, Kansas, South Dakota, Texas and Wyoming.

First National Bank of Omaha (FNBO) believes that a bank should be a force for good in the world; to positively influence the lives of our employees, customers and the success of the communities we serve. Whether you're just beginning your career or taking it to the next level, you'll find your fit here.

Remote Openings (https://firstnational.wd5.myworkdayjobs.com/en-US/fnbocareers?locationHierarchy1=9446be3b2387018af7702571c8009493)

Bilingual Careers

Internships (https://firstnational.wd5.myworkdayjobs.com/en-US/fnbocareers?q=internship) & Trainee Program (https://firstnational.wd5.myworkdayjobs.com/fnbocareers?q=trainee%20program)

FNBO is committed to belonging, inclusion, diversity and equity. We are committed to intentionally and proactively creating pathways to success for historically underrepresented populations, regardless of but not limited to their age, race, color, ethnicity, gender, gender identity, sexual orientation, disability, religion or military status. To accomplish this, we foster a culture of belonging and inclusion so that every employee is valued, and has opportunity and the ability to make an impact. FNBO strives to reflect the diversity of the communities we serve in the makeup of our workforce.

See the full FNBO Equity, Diversity, & Inclusion Statement here (https://www.fnbo.com/about-us/inclusion-diversity/)

FNBO endeavors to make our site accessible to any and all users. If you would like to contact us regarding the accessibility of our website or need assistance completing the application process, please contact HR Solution One via either email or phone using the contact information below.

Online (Primary Response Hours: M-F, 8a-5p Central)

  • hrsolutionone@fnni.com

Phone (Available: M-F, 10a-2p; Central)

  • (855) 470-3777

  • (402) 602-3777

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