Director, Credit Risk -- Unsecured Consumer Loans, Hybrid On-site, Omaha

First National Bank of Omaha•Omaha, NE

12h•$97,774 - $166,216•Hybrid

About The Position

The Director of Credit Risk will be responsible for creating, maintaining, and monitoring the credit risk strategies for Unsecured Installment loans of FNBO. This role requires the combination of excellent analytical expertise with strong business knowledge of unsecured loan products and clear communication of complex topics. Key tasks include completing analytical work to determine best in class credit strategies, moving projects forward through compliance and business review and approval. Additionally, the role involves managing sound UAT testing and creative problem solving for managing risk while maximizing partner and customer experience. This role is located in Omaha, NE. This role is an individual contributor role. The Director, Credit Management -- UCL role is a self-starter who has a deep understanding of advanced credit risk concepts, is able to put those concepts into practice, has or develops excellent knowledge of the FNBO data environment, and has a continuous improvement approach to their work, leading on-going change in the bank’s credit risk methodologies.

Requirements

Bachelor’s degree in Statistics, Data Science, Mathematics, Finance, Business or related field; advanced degree preferred
8+ years of experience in credit analytics, risk management, or a related field
3+ years in analytical tools (e.g., SQL, Python)
Demonstrated expertise in understanding and developing credit strategies
Strong knowledge of industry regulations and compliance requirements
Exceptional communication and leadership skills, with the ability to influence stakeholders at all levels.
Ability to direct the resolution of highly complex or unusual business problems
Proven track record of sound decision making practices
Ability to manage competing and at time complex priorities – experience in fast paced environments

Responsibilities

Manage the unsecured loans business within the approved risk appetite
Develop, obtain approval, implement, and manage credit strategies for unsecured installment loan products
Independently evaluate and analyze ongoing performance of portfolio/partners, including understanding of root cause for performance, and effectively manage improvement for underperformance and maximization for high performance
Clear communication of complex analysis and strategy recommendations
Strong collaboration with cross functional stakeholders to move the unsecured installment loan business forward
Work closely with the Product, Technology and Business teams to ensure no issues with quality and or compliance of credit strategies
Have a holistic view of how partner, product, term, and channel impact expected credit performance
Support on-going internal and external audits by maintaining strong documentation