Sr Analyst, Credit Risk (Onsite in Omaha, NE)

Fnbo---First-National-Bank-of-Omaha-1; Omaha (NE); Hybrid; USD 81,662 - 134,741; Full time

Benefits offered by this job

Medical, Dental, Vision Insurance

401k with Matching Contributions

Time Off Programs

Health Savings Account (HSA) / Dep. C

Employee Banking

Growth Opportunities

Tuition Assistance

Disability Insurance

Job summary

First National Bank of Omaha (FNBO) is seeking aSenior Analyst in Omaha to serve as a technical expert in credit risk management. You will develop and enhance risk models, create executive dashboards, and provide analytical support to drive informed credit decisions across the organization.

The role emphasizes independent work, guidance to juniors, and collaboration with finance, marketing, and strategy teams.

Qualifications

• Bachelor’s degree in quantitative fields required.
• Advanced degree preferred.
• 3+ years of experience in Credit management or Credit Risk Forecasting or other highly analytical field.
• Ability to present to and influence senior management.
• Unrestricted work authorization; no sponsorship needed.

Responsibilities

• Develop executive dashboards for key credit card risk metrics and communicate insights to risk committees and stakeholders.
• Analyze customer acquisition channels to optimize risk-adjusted returns and create early warning indicators.
• Analyze delinquency, charge-off, and utilization patterns in credit card portfolios.
• Assess customer behavior patterns (transactor/revolver) and evaluate risk-adjusted returns across products and channels.
• Perform statistical analyses to identify trends and develop credit loss forecasting models.
• Document models per risk policies and communicate forecasts to cross-functional teams.
• Collaborate with Finance to provide loss forecasts for marketing planning, portfolio purchases, and bad debt reserves.

Skills

SQL

Python

SAS

Power BI

Credit risk modeling

Data analysis

Education

Bachelor’s degree in quantitative fields

Advanced degree preferred

Tools

Power BI

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 conducts in-depth analysis of credit portfolios, develops and enhances risk models, including consumer bank loss forecasting models and produces comprehensive reporting to support risk management strategies. 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:We are unable to sponsor candidates today or in the future. H1b, OPT etc.Major responsibilities:Develop executive dashboards highlighting key credit card risk metrics and communicate card portfolio insights to risk committees, marketing, finance teams and strategy forums among others.Analyze customer acquisition channels and partners to optimize risk-adjusted returns and create early warning indicators for detecting deteriorating credit quality.Comprehensive analysis of credit card portfolio performance metrics including delinquency, charge-off, and utilization patterns.Analyze customer-level behavior including transactor/revolver patterns and payment behaviors and evaluate risk-adjusted returns across card products, segments, and acquisition channelsPerform statistical analyses to identify data trends and relationships and develop and maintain credit risk forecasting models. Apply time series analysis, survival analysis, and other modeling techniques to develop credit loss forecasting models.Document developed models according to the model risk policies. Communicate statistical analyses and forecast results, working with cross-functional areas, to ensure successful implementation.Work with Finance to provide loss forecasts for marketing planning, portfolio purchases, and reserve for bad debt and portfolio stress testing, while ensuring applicability, efficiency, and accuracy of underlying statistical models and methodologies utilized.Knowledge & SkillsKnowledge of consumer and/or small business cardUnderstanding statistical techniques and modelingKnowledge of loss forecasting methodsAbility to work independently with data to identify complex business trends and propose solutions.SQL, Python, SAS and PowerBIThe Ideal Candidate for This Role:Education and ExperienceBachelor’s degree in quantitative fields such as Math, Physics, Statistics, engineering, Computer Science required. Advanced degree preferred3+ 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.Demonstrate excellent oral and written communication skills.Demonstrate ability to handle stress, meet deadlines and work independently.Candidates must possess unrestricted work authorization and not require future sponsorship.Compensation:Compensation range (base pay): $81,662.00-$134,741.00This 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 Insurance401k, With Matching ContributionsTime Off ProgramsHealth Savings Account (HSA)/Dependent CareEmployee BankingGrowth OpportunitiesTuition AssistanceShort-Term/Long-Term Disability InsuranceLearn 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-20261300Equal 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.Click here to download 'EEO is The Law' Self-Print PosterClick here to download 'EEO is The Law' Supplement for Federal ContractorsClick here to download 'EEO is The Law' GINA SupplementFNBO is an Equal Opportunity/Affirmative Action/Veterans/Disability Employer - Member FDICFNBO 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.