Senior Analyst, Horizontal Analytics, Credit Risk

First National Bank of Omaha•Omaha, NE

4d•Hybrid

About The Position

The Senior Analyst serves as a key technical expert within the bank's credit risk management function, providing advanced analytical support and insights to drive informed credit decisions. This experienced professional leads work across four core domains: executive reporting, portfolio analytics, AI and innovation, and credit loss forecasting. The position requires strong analytical capabilities combined with business acumen to translate complex credit data into actionable recommendations. The Senior Analyst works with minimal supervision while providing guidance to junior team members, serving as a bridge between technical analysis and practical business application in credit risk management.

Requirements

Knowledge of consumer and/or small business credit card products and risk dynamics
Proficiency in statistical techniques, modeling, and quantitative analysis
Knowledge of loss forecasting methods including vintage analysis, roll-rate, and time series approaches
Familiarity with AI and machine learning frameworks and their application to credit risk
Ability to work independently with data to identify complex business trends and propose solutions
Strong executive communication and data storytelling skills
Technical proficiency in SQL, Python, SAS, and Excel, BI tools for visualizations
Bachelor’s degree in quantitative fields such as Math, Physics, Statistics, engineering, Computer Science required.
3+ years of experience in Credit management or Credit Risk Forecasting or other highly analytical business field.
Proven ability to work collaboratively within a cross-functional team environment.
Ability to present recommendations and influence senior management.
Excellent oral and written communication skills.
Demonstrate ability to work in a fast-paced environment, meet deadlines and work independently.
Unrestricted work authorization and not require future sponsorship.

Nice To Haves

Advanced degree preferred

Responsibilities

Communicate card portfolio insights to risk committees, senior leadership, marketing, finance teams, and strategy forums, translating complex data into clear, decision-ready narratives.
Create early warning indicator reports for detecting deteriorating credit quality across portfolios and customer segments.
Analyze customer acquisition channels and partners to optimize risk-adjusted returns across card products, segments, and acquisition channels.
Conduct comprehensive analysis of credit card portfolio performance metrics including delinquency, charge-off, and utilization patterns.
Work with minimal supervision to independently explore large datasets, surface insights, and present findings to cross-functional stakeholders.
Evaluate and pilot emerging tools, platforms, and technologies to enhance the efficiency and accuracy of credit risk analytics.
Drive process automation initiatives to streamline reporting, data preparation, and model execution workflows.
Identify opportunities to integrate AI-driven insights into existing risk management frameworks and decision-making processes.
Stay current with advancements in AI, machine learning, and data science as applied to financial services and credit risk.
Develop, maintain, and enhance credit loss forecasting models with a primary focus on credit card loss curves, including vintage analysis and roll-rate methodologies.
Provide analytical guidance and mentorship to junior team members.