Sr. Director, Agriculture Credit Risk (Omaha, NE or Fort Collins, CO)

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.

Senior Director of Agricultural Credit Risk is a critical credit risk leadership role responsible for establishing and continuously improving the risk assessment process for FNBO loans originating in the Agribusiness line, for reviewing and approving individual loans within their designated lending authority. This individual will partner with the Agribusiness line, FNNI’s Credit Policy Committee, FNNI’s Loan Committee, and FNBO and FNNI’s Special Asset Committees, to review and challenge all aspects of Agricultural loan decisions, including qualitative and quantitative credit analysis, deal structure, terms and conditions.
The Senior Director of Agricultural Credit Risk has the lending authority to approve loans up to an aggregate exposure of $25MM and is responsible for reviewing and guiding the submission of Agricultural loan approvals to the FNNI Loan Committee. This individual is a voting member of the FNNI Loan Committee and of the FNBO/FNNI Special Asset Committees.

About This Role:

 

• Partner with cross-functional partners, and stakeholders to deliver sustained growth through prudent risk practices.
• Participate in due diligence for Agricultural new and existing customers.
• Review and approve all loan memos with aggregate exposure up to $25MM.
• Monitor Agricultural portfolio quality. Report on relevant portfolio trends to FNBO Credit Leadership and other stakeholders and propose relevant changes in credit policy, concentration limits, risk rating process, as new internal or external trends emerge.
• Partner with credit policy and analytics teams to evolve policy, credit underwriting guidelines, and collateral management requirements.
• Work with Agribusiness leadership to ensure negotiated terms and conditions of all loans adhere to bank policy and guidelines.
• Monitor all exceptions, modifications and change in terms for all loans in the portfolio.
• Work with other Credit Leadership and the business line to identify individuals at the bank that could be possible successors for the role and actively work with them on a development plan.
• Support the business growth, sales and credit activities in the business line.
• Deliver on Credit and FNBO strategic initiatives.
• Represent credit risk management at executive and credit committee meetings (FNNI Credit Policy Committee, FNNI Loan Committee, FNNI/FNBO Special Assets Committee)

The Ideal Candidate for This Role:

 

• 15+ years of relevant credit risk management or financial services experience required
• Knowledge of commercial loan P&L dynamics and the interaction of business operations, product configuration and the macroeconomic environment
• Demonstrated experience in leading change, with a track record of identifying and implementing opportunities to improve business operations and performance
• Demonstrated success in working across business lines to drive business decisions
• Working knowledge of the applicable laws and regulations that govern lending in a financial institution
• Education Level: Bachelor's Degree, Master’s Degree preferred in finance, economics

Leadership Attributes:

• Strategic Visioning: Defines and articulates the future state through an understanding of internal and external challenges, identifying unique opportunities to create value.
• Creativity & Innovation: Generates or facilitates the generation of new ideas, methods, product, or solutions.
• Assertiveness & Courage: Takes action in the face of challenges, despite fear of failure or feelings of discomfort and uncertainty.
• Change Leadership: Initiates and facilitates organization changes and business transformation.
• Decision Making: Selects a course of action from different alternatives to reduce risk and uncertainty and to create optimal outcomes.

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

Compensation:

 

Compensation range (base pay): $144,269.00-$245,257.00

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 onsite at the posted location. Our onsite environment fosters innovation, mentorship, and a vibrant culture where ideas flow freely and relationships flourish. As part of our team, you'll experience the energy of our collaborative spaces designed to support your professional growth while working alongside talented colleagues who inspire excellence daily. 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 [email protected]. To ensure you receive a response, include the number of this job (listed below) in the subject line of your message.

Job number: R-20260982

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.

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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.