Director, CECL Analytics and Loss Forecasting

FNBO; Omaha (NE); Hybrid; USD 98,000 - 166,000; Full time

Benefits offered by this job

Medical, Dental, Vision Insurance

401k with Matching Contributions

Time Off Programs

HSA/Dependent Care

Employee Banking

Growth Opportunities

Tuition Assistance

Disability Insurance

Job summary

FNBO is seeking a Director, CECL Analytics and Loss Forecasting to lead the bank's CECL strategy across CRE, C&I, agriculture, retail, and small business lending. You will blend advanced statistical modeling with business leadership, serving as a SME to execs on credit risk trends and regulatory implications.

You will develop and maintain CECL loss forecasting models using Moody's dual score matrices, drive qualitative assessments, and communicate BI that ties forecasting results to strategic

Qualifications

• Bachelor’s degree in data science, mathematics, statistics, finance, economics, or related field is required.
• 8+ years of experience in highly analytical business functions with at least 5 years in Credit Risk or modeling.
• 3+ years of Python and SQL experience with data analysis, financial modeling, and Excel expertise.
• Strong knowledge of cloud-based data warehousing solutions (e.g., Snowflake).
• Excellent oral and written communication skills; ability to work independently under pressure.

Responsibilities

• Lead strategic initiatives integrating loss forecasting with risk strategy, appetite, and regulatory compliance across lending portfolios.
• Develop and maintain CECL loss forecasting models using Moody's dual score matrices and portfolio segmentation.
• Enhance CECL qualitative assessments with risk factors, economic adjustments, and management overlays.
• Ensure regulatory standards (SR 11-7) are met; liaise with regulators, auditors, and vendors.
• Develop advanced business intelligence connecting loss forecasting results to management decisions and macro trends.
• Initiate and manage complex credit risk projects from design to implementation.
• Mentor analysts and business leaders to build enterprise credit risk capabilities.

Skills

Leadership

Project management

Communication

Strategic thinking

Education

Bachelor’s degree in data science, mathematics, statistics, finance, economics, or related field

Tools

Python

SQL

Excel

Snowflake

Job description

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.

Summary Of The Job

Director, CECL Analytics and Loss Forecasting is a technical and business leadership position that drives FNBO's CECL strategy, loss forecasting excellence, and credit risk business intelligence across commercial real estate, commercial & industrial, agriculture, retail consumer, and small business lending portfolios. This dual-focused role combines deep technical expertise in advanced statistical and econometric modeling techniques with strategic business leadership, serving as both the primary subject matter expert for commercial lending business practices and sophisticated loss forecasting models including Moody's dual score matrices and a trusted advisor to executive leadership on credit risk trends, regulatory implications, and strategic opportunities within the loss forecasting domain.

About This Role

Major Responsibilities

• Lead strategic business initiatives integrating loss forecasting capabilities with business strategy execution, risk appetite development, and regulatory compliance across commercial real estate, commercial & industrial, agriculture, retail consumer, and commercial business lending portfolios.
• Develop, and maintain appropriate CECL loss forecasting models for commercial portfolios leveraging Moody's dual score matrices and portfolio segmentation approaches that recognize unique characteristics of CRE (property types, geographic concentrations), C&I (industry sectors, cash flow dynamics), agriculture (commodity cycles, seasonal variations), and retail consumer products.
• Lead continuous enhancement of CECL qualitative assessments and write-ups, ensuring comprehensive explanations of portfolio-specific risk factors, economic adjustments, and management overlays that support quantitative model outputs.
• Ensure models meet regulatory standards including SR 11-7, while serving as primary liaison with internal and external regulators, auditors, and vendors on ongoing CECL-related matters and examinations.
• Develop and communicate advanced business intelligence that connects loss forecasting results to management decisions, macroeconomic trends, and organizational objectives across wide business audiences.
• Independently initiate, conduct and manage complex credit risk projects, including project design, data collection, analysis, summarization, presentation of results and recommendations, and implementation support.
• Provide strategic guidance and technical mentorship to analysts and business leaders across the organization, building organizational capabilities through expertise sharing, training initiatives, and strategic consultation that enhance enterprise credit risk management.

Education And Experience

The Ideal Candidate for This Role

• Bachelor’s degree in data science, mathematics, statistics, finance, economics, or related field required.
• 8+ years of experience in highly analytical business functions, including at least 5 years in Credit Risk, modeling or related fields.
• 3+ years of experience using Python programming, and SQL with a focus on data analysis, financial modeling, and expert knowledge of Excel.
• Strong knowledge of working with cloud-based data warehousing solutions (e.g., Snowflake)
• Demonstrated excellent oral and written communication skills.
• Demonstrated ability to handle stress, meet deadlines and work independently.
• Experience in banking or financial services is preferred.

Knowledge & Skills

• Deep knowledge of commercial real estate, commercial & industrial, agriculture, retail consumer, and small business lending products and credit risk characteristics.
• Demonstrated leadership abilities with experience managing projects and/or teams in a technical environment.
• Ability to manage multiple complex projects simultaneously while meeting critical deadlines.
• Extensive knowledge of statistical and data science methods applied in the finance industry along with advanced programming skills.
• Ability to work with data to identify complex business trends and propose solutions
• Ability to build consensus and influence the organization in order to achieve business goals.
• Experience with loss forecasting and stress testing at a financial institution, preferably a CCAR institution.

Candidates must possess unrestricted work authorization and not require future sponsorship.

Compensation

Compensation range (base pay): $97,774.00-$166,216.00

This role may have a specific starting pay within this range.

Final compensation offer to candidate may vary from posted hiring range based upon work experience, education, and/or skill level.

Work Environment

It is anticipated that the incumbent in this role will work in a hybrid capacity, balancing in-person collaboration three (3) days a week with remote flexibility two (2) days a week. As part of our team, you’ll experience the energy and relationship‑building of face‑to‑face collaboration while still enjoying the flexibility of remote workdays. We provide the tools and technology to ensure seamless transitions between work environments, supporting your productivity wherever you are. Please note that work location is subject to change based on business needs.

Benefits Overview

We offer a variety of benefits designed to keep you and your family physically and financially healthy. Not only do we offer a competitive salary and work-life balance, we offer benefits to match your needs:

• Medical, Dental, Vision Insurance
• 401k, With Matching Contributions
• Time Off Programs
• Health Savings Account (HSA)/Dependent Care
• Employee Banking
• Growth Opportunities
• Tuition Assistance
• Short-Term/Long-Term Disability Insurance

Learn more about FNBO benefits here: https://www.fnbo.com/careers/benefits/.

For additional information regarding compensation and benefits, e-mail FNBO at [e-mail]. To ensure you receive a response, include the number of this job (listed below) in the subject line of your message.

Job number: R-20261893

Equal Opportunity & Belonging

FNBO believes that the quality of our employee experience is at the heart of our customer experience. One key pillar of our intended employee experience is Belonging. Belonging means we are committed to fostering a workplace culture where employees of all backgrounds feel valued, recognized, and empowered to be their authentic selves—no matter their role or where they are in their journey.

Learn more here.

FNBO is an equal opportunity employer for all employees and applicants and makes employment decisions without regard to status or identity.

FNBO is an Equal Opportunity/Affirmative Action/Veterans/Disability Employer - Member FDIC

FNBO follows federal law regarding the use of marijuana (this applies to all non-California applicants).

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.