Senior C&I Credit Leader & Portfolio Risk

Firstnational; Omaha (NE); On-site; USD 140,000 - 190,000; Full time

Job summary

First National Bank of Omaha in Omaha seeks a Senior Credit Officer for Commercial & Industrial lending. This leadership role owns the C&I credit guidelines, leads risk assessment, and partners with policy and committees to review loan decisions.

Responsibilities include approving memos up to $25MM, guiding loan committee submissions, and developing talent within the credit team, with a focus on underwriting quality and portfolio performance.

Qualifications

• 15+ years of commercial credit risk management or financial services experience.
• Proven track record of owning and managing credit guidelines and underwriting standards within a commercial lending platform.
• Deep knowledge of C&I financial analysis, including financial statement spreading, cash flow modeling, leverage and coverage assessment, borrowing base structures, working capital dynamics, and stress testing.
• Knowledge of commercial loan P&L dynamics and the interaction of business operations, product configuration

Responsibilities

• Own and manage the credit risk of the C&I portfolio, ensuring ongoing portfolio quality through proactive monitoring, early identification of emerging risks, and timely escalation of credit concerns.
• Lead all credit actions associated with the C&I portfolio, including renewals, modifications, downgrades, watch list management, and charge-off recommendations.
• Monitor C&I portfolio quality and concentration levels; report on relevant trends to FNBO Credit Leadership and other stakeholders, proposing changes to credit policy, concentration limits, and risk rating processes as internal or external conditions evolve.
• Represent credit risk management at executive and credit committee meetings, including the FNNI Loan Committee, Banking Credit Committee, and Special Assets Committee.

Skills

Credit risk management

C&I underwriting

Financial analysis

Credit guidelines

Job description

First National Bank of Omaha in Omaha seeks a Senior Credit Officer for Commercial & Industrial lending. This leadership role owns the C&I credit guidelines, leads risk assessment, and partners with policy and committees to review loan decisions.

Responsibilities include approving memos up to $25MM, guiding loan committee submissions, and developing talent within the credit team, with a focus on underwriting quality and portfolio performance.