Sr. Associate, Commercial Credit Performance & Controls

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 with Matching

Time Off Programs

HSA/Dependent Care

Job summary

First National Bank of Omaha is seeking an associate to redesign commercial credit processes, enhancing efficiency and controls across loan types. The role supports outsourcing initiatives and end-to-end lifecycle management with risk assessment and policy development. Collaboration with Risk, Finance, Technology, and Operations is essential.

The position requires strong analytical skills, experience in credit analysis, and the ability to execute strategic plans within a hybrid work environment.

Qualifications

• Bachelor's degree in Business, Finance, or related field (MBA preferred).
• Experience in Commercial, Ag, CRE and/or Consumer credit analysis is required.

Responsibilities

• Redesign commercial credit processes for efficiency and robust controls.
• Lead outsourcing/offshoring initiatives for credit processes.
• Support end-to-end credit lifecycle management including risk assessment and data integrity.

Skills

Strong operational execution

change management and analysis

Strong organizational and analytical

Excellent oral and written comms

Lending concepts and documentation

Financial accounting and credit分析

Industry research skills

Microsoft Office proficiency

Team player with interpersonal skills

Regulatory/compliance knowledge

Education

Bachelor's degree in Business/Finance or related (MBA preferred)

Tools

Microsoft Office

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 Commercial Credit Performance and Controls Enablement Associate role is responsible for redesigning commercial credit processes to facilitate increased productivity, efficiency, and a more robust controls environment, reducing operational errors. The position drives operational excellence in Commercial Credit through continuous improvement initiatives, standard operating procedure development, and process optimization. Key responsibilities include designing consistent credit analysis and review processes across loan types and sizes, developing standard procedures, controls, and training to facilitate change, and leading outsourcing initiatives. The position requires expertise in leading end‑to‑end credit lifecycle management, including risk assessment, procedure development and implementation, and systems enhancements. The role involves cross‑functional collaboration with risk, finance, technology, and operations. The position emphasizes both strategic leadership and operational execution in commercial credit management while ensuring adherence to the credit culture and banking regulations requirements.

About This Role:

Job Specific Responsibilities / Accountabilities Support a culture of continuous improvement, ensuring the credit department remains adaptable, resilient, and aligned with the broader business strategy. Support the design and implementation of commercial credit analysis and review processes focused on efficiency, speed of response to customers, system controls for policy and data integrity. Adapt and implement comprehensive standardized credit procedures and policies. Lead outsourcing/offshoring initiatives for credit processes. Provide input on strategic vision for end‑to‑end commercial credit process design and optimization. Support commercial credit systems strategy for reporting, capacity management, and data integrity. Collaborate with Risk, Finance, Technology, Operations, and other business units. Accountable for adherence to allocated budget. Ensure compliance with regulations, policies, and BSA/AML requirements.

The Ideal Candidate for This Role:

Key Skills

• Strong operational execution
• change management and analysis
• Strong organizational and analytical skills
• Excellent oral and written communication skills
• Understanding of lending concepts, practices, procedures and documentation
• Financial accounting and credit analysis
• Industry research skills
• Microsoft Office proficiency
• Team player with strong interpersonal skills
• Knowledge of industry regulations and compliance requirements

Minimum Qualifications

• Bachelor's degree in Business, Finance, or related field (MBA preferred).
• 5+ years' experience in Commercial, Ag, CRE and/or Consumer credit analysis. 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:

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].

Job number: R-20261358

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.

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.

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. FNBO (First National Bank of Omaha) believes that a bank should be a force for good in the world; to positively influence the lives of our employees, customers and the success of the communities we serve. Whether you're just beginning your career or taking it to the next level, you'll find your fit here.

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 who they are and 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.

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

Online (Primary Response Hours: M-F, 8a-5p Central) [e-mail] Phone (Available: M-F, 10a-2p; Central) [phone] [phone]