Senior Credit Officer – Commercial & Industrial

## Senior Credit Officer – Commercial & Industrial Apply:
Omaha - FN Tower:
Full time:
Posted Today:
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- ** 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 Credit Officer (SCO) – Commercial & Industrial is a senior credit risk leadership role responsible for managing the overall credit risk of FNBO's Commercial & Industrial lending portfolio. Reporting to the Chief Commercial Credit Officer, this individual owns the C&I credit guidelines, leads the credit risk assessment process for C&I loans originating within the assigned business line, and is accountable for all credit actions associated with the C&I portfolio.

The SCO partners closely with C&I line leadership, credit policy, and executive committees to review and challenge all aspects of commercial loan decisions, including qualitative and quantitative credit analysis, deal structure, terms and conditions, and portfolio-level risk management.
This role carries lending authority to approve loans up to an aggregate exposure of $25MM and is responsible for reviewing and guiding the submission of C&I loan approvals to the FNNI Loan Committee. The SCO serves as a voting member of the FNNI Loan Committee and attends the Banking Credit Committee and the Special Assets Committee.
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* About This Role:

**** Key Responsibilities
**** Portfolio

Risk Management:

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* · 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.
** C&I Credit Guidelines:*
* · Own and maintain FNBO's C&I credit guidelines, ensuring they remain current, competitive, and reflective of evolving market conditions, regulatory requirements, and portfolio performance.
· Partner with credit policy and analytics teams to continuously evolve underwriting guidelines, collateral management requirements, and risk rating frameworks specific to commercial and industrial lending.
· Establish and communicate credit standards across a broad range of C&I industries and borrower types, including working capital facilities, term loans, borrowing base structures, and leveraged transactions.
· Drive consistency in credit underwriting practices across the C&I business line through guideline governance, training, and ongoing credit officer development.
** Credit Review & Approval:*
* · Review and approve all C&I loan memos with aggregate exposure up to $25MM, challenging all aspects of loan decisions including qualitative and quantitative credit analysis, deal structure, and terms and conditions.
· Guide and oversee the submission of C&I loan approvals to the FNNI Loan Committee, ensuring completeness, accuracy, and alignment with credit policy.
· Participate in due diligence for new and existing C&I customers.
· Work with C&I line leadership to ensure all negotiated terms and conditions adhere to bank policy and guidelines.
· Monitor all exceptions, modifications, and changes in terms for loans in the C&I…