Director, Consumer Credit Risk

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.

We believe in a Modern, Flexible Workplace, and we are continuously exploring advancements in technology and office environments to make it easier to work from anywhere at any time, allowing for more flexibility in where and how you work. We know that choice and flexibility are important to you. We also recognize that flexible and remote positions can become opportunities for military partners, caregivers, and individuals with disabilities to thrive at our company. We invite you to consider what a Modern, Flexible Workplace can mean for you!

It is anticipated that an incumbent in this role will work onsite for three (3) or more days a week and will have a dedicated workspace when working onsite. Work location is subject to change based on business needs.The Director, Consumer Credit Risk is accountable for managing the credit risk performance of their assigned portfolios. This also includes leading the design, development, implementation and validation of credit policies and strategies. This role is responsible for optimizing portfolio credit risk and profitability and ensure strategies support defined credit risk appetite, and could serve as a liaison between the business units and either regulators or vendors.

About This Role:

 

• Manage credit losses of assigned portfolios
• Independently initiate, conduct and manage complex credit risk projects, including project design data collection, analysis, summarization, presentation of results and recommendations, and implementation support
• Collaborate with credit management and other business functions to ensure the bank meets the customer needs.
• Monitor and evaluate performance of existing credit risk strategies and develop new strategies by analyzing and evaluating data and utilizing various statistical and analytical techniques and tools
• Lead or manage the implementation of new and modified strategies

The Ideal Candidate for This Role:

 

Knowledge & Skills

• Knowledge of consumer and/or small business credit
• Ability to work with data to identify complex business trends and propose solutions
• Ability to build consensus and influence the organization in order to achieve business goals
• Demonstrated creative approach to problem solving

Education and Experience

• Bachelor’s degree
• 7+ years of experience in a highly analytical business function to include coding and working with large data sets 

Compensation:

 

Compensation range (base pay): $93,977.00-$159,762.00

Final compensation offer to candidate may vary from posted hiring range based upon work experience, education, and/or skill level.

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 TAGAdmin@fnni.com. To ensure you receive a response, include the number of this job (listed below) in the subject line of your message.

Job number: R-20240855

Equity, Diversity, & Inclusion:

FNBO is committed to belonging, inclusion, diversity and equity. We are committed to intentionally and proactively creating pathways to success for historically underrepresented populations. To accomplish this,  we foster a culture of belonging and inclusion so that every employee is valued, and has opportunity and the ability to make an impact.  FNBO strives to reflect the diversity of the communities we serve in the makeup of our workforce.

See the full FNBO Equity, Diversity, & Inclusion Statement here

All qualified applicants will receive consideration for employment without regard to age, race, color, religion, sex, sexual orientation, gender identity, national origin, protected veteran status, or disability status.

Click here to download 'EEO is The Law' Self-Print Poster

Click here to download 'EEO is The Law' Supplement for Federal Contractors

Click here to download 'EEO is The Law' GINA Supplement

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.