Sr. Director, Agriculture Credit Risk (Omaha, NE or Fort Collins, CO)

First National Bank•Fort Collins, CO

4d•$144,269 - $245,257•Onsite

About The Position

Senior Director of Agricultural Credit Risk is a critical credit risk leadership role responsible for establishing and continuously improving the risk assessment process for FNBO loans originating in the Agribusiness line, for reviewing and approving individual loans within their designated lending authority. This individual will partner with the Agribusiness line, FNNI’s Credit Policy Committee, FNNI’s Loan Committee, and FNBO and FNNI’s Special Asset Committees, to review and challenge all aspects of Agricultural loan decisions, including qualitative and quantitative credit analysis, deal structure, terms and conditions. The Senior Director of Agricultural Credit Risk has the lending authority to approve loans up to an aggregate exposure of $25MM and is responsible for reviewing and guiding the submission of Agricultural loan approvals to the FNNI Loan Committee. This individual is a voting member of the FNNI Loan Committee and of the FNBO/FNNI Special Asset Committees.

Requirements

15+ years of relevant credit risk management or financial services experience required
Knowledge of commercial loan P&L dynamics and the interaction of business operations, product configuration and the macroeconomic environment
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
Working knowledge of the applicable laws and regulations that govern lending in a financial institution
Candidates must possess unrestricted work authorization and not require future sponsorship.

Nice To Haves

Master’s Degree preferred in finance, economics
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.
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.

Responsibilities

Partner with cross-functional partners, and stakeholders to deliver sustained growth through prudent risk practices.
Participate in due diligence for Agricultural new and existing customers.
Review and approve all loan memos with aggregate exposure up to $25MM.
Monitor Agricultural portfolio quality.
Report on relevant portfolio trends to FNBO Credit Leadership and other stakeholders and propose relevant changes in credit policy, concentration limits, risk rating process, as new internal or external trends emerge.
Partner with credit policy and analytics teams to evolve policy, credit underwriting guidelines, and collateral management requirements.
Work with Agribusiness leadership to ensure negotiated terms and conditions of all loans adhere to bank policy and guidelines.
Monitor all exceptions, modifications and change in terms for all loans in the portfolio.
Work with other Credit Leadership and the business line to identify individuals at the bank that could be possible successors for the role and actively work with them on a development plan.
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).