Senior Analyst, Horizontal Analytics, Credit Risk

First National Bank of Omaha; Omaha (NE); Hybrid; USD 82,000 - 135,000; Full time

Benefits offered by this job

Medical

Dental

Vision Insurance

401k

Time Off Programs

HSA/Dependent Care

Employee Banking

Growth Opportunities

Tuition Assistance

Disability Insurance

Job summary

First National Bank of Omaha (FNBO) is seeking a Senior Analyst to act as a technical expert in credit risk management, delivering advanced analytics and actionable recommendations. The role leads executive reporting, portfolio analytics, AI/innovation, and credit loss forecasting with minimal supervision.

You will translate complex data for risk committees, develop early warning indicators, and mentor junior staff while collaborating with cross-functional teams.

Qualifications

• Bachelor's degree in quantitative fields such as Math, Physics, Statistics, engineering, Computer Science required.
• Advanced degree preferred.
• 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.

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.

Skills

Credit risk

Statistical analysis

Time series

AI/ML in credit risk

SQL

Python

SAS

Excel

Data storytelling

Education

Bachelor’s degree in quantitative fields

Advanced degree

Tools

SQL

Python

SAS

Excel

BI tools

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:

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.

About This Role:

• 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.

Knowledge & Skills:

• 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

The Ideal Candidate for This Role:

Education and Experience:

• Bachelor’s degree in quantitative fields such as Math, Physics, Statistics, engineering, Computer Science required.
• Advanced degree preferred
• 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.
• Candidates must possess unrestricted work authorization and not require future sponsorship.

Compensation:

Compensation range (base pay): $81,662.00-$134,741.00 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:

• 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-20261776

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.

Grow Your Career with FNBO! For 170 years, our holding company - First National of Nebraska (FNNI) - has grown to more than 4,500 employees with locations in nine states and $35 billion in assets. We are proud to serve our customers and communities with banking offices located in Nebraska, Colorado, Illinois, Iowa, Kansas, Missouri, South Dakota, Texas and Wyoming.

Bilingual Careers Internships & Trainee Program 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. FNBO is an equal opportunity employer for all employees and applicants and makes employment decisions without regard to status or identity. We strive to represent the communities in which we serve. Learn more here. 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) [e-mail] Phone (Available: M-F, 10a-2p; Central) [phone] [phone]