Sr. Director, Agriculture Credit Risk; Omaha, NE or Fort Collins

Overview

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, and for reviewing and approving individual loans within the designated lending authority. The role partners with the Agribusiness line, FNNI’s Credit Policy Committee, Loan Committee, and 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 has the authority to approve loans up to an aggregate exposure of $25 million and is a voting member of the FNNI Loan Committee and the FNBO/FNNI Special Asset Committees.

• Partner with cross‑functional teams 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 $25million.
• Monitor the agricultural portfolio quality and report relevant portfolio trends to FNBO Credit Leadership and other stakeholders.
• Propose changes in credit policy, concentration limits, and risk rating processes as new internal or external trends emerge.
• Partner with credit policy and analytics teams to evolve policy, credit underwriting guidelines, and collateral management requirements.
• Ensure negotiated terms and conditions of all loans adhere to bank policy and guidelines.
• Monitor all exceptions, modifications, and changes in terms for all loans in the portfolio.
• Identify potential successors for the role and develop them through a structured plan.
• Support 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, Loan Committee, Special Assets Committee).

• 15 or more years of relevant credit risk management or financial services experience.
• Strong knowledge of commercial loan P&L dynamics and the interaction of business operations, product configuration, and the macroeconomic environment.
• Demonstrated experience leading change and identifying opportunities to improve business operations and performance.
• Proven success working across business lines to drive decisions.
• Working knowledge of applicable laws and regulations governing lending in a financial institution.
• Bachelor’s degree in finance, economics, or related field;
  Master’s degree preferred.
• Leadership attributes: strategic visioning, creativity & innovation, assertiveness & courage, change leadership, decision making.
• Must possess unrestricted work authorization and not require future sponsorship.

Base pay range: $ – $. Final compensation may vary based on experience, education, and skill level.

• Medical, Dental, Vision insurance
• 401(k) with matching contributions
• Time off programs
• Health Savings Account (HSA) / Dependent Care
• Employee banking
• Growth opportunities
• Tuition assistance
• Short‑term / Long‑term disability insurance

FNBO is an equal opportunity employer for all employees and applicants and makes employment decisions without regard to status or identity.