Head of Consumer Secured Lending & Appraisal/Flood

First National Bank of Omaha
vision insurance, tuition assistance, 401(k)
United States, Nebraska, Omaha
Mar 07, 2025
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. Our Modern, Flexible Workplace: 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. Summary of the Job: FNBO provides mortgages, home equity loans and lines, and auto loans to consumers in the geographies we serve. FNBO also provides commercial, agriculture, and commercial real estate loans. Integral to the success of FNBO loan business is a strong and effective credit risk management team that allows us to serve our customers while protecting FNBO's interests. The Head of Credit Risk, Secured Consumer Loans, Flood & Appraisal is a critical credit risk leadership role responsible for leading a best-in-class team that drives sustainable growth within FNBO's risk appetite, supported by the power of effective governance, customer focus, and strong partnerships across the enterprise. This individual manages credit risk for the FNBO secured loan portfolio ($2+B in portfolio loans, $5B in serviced loans) while maintaining and continuously improving a strong, forward-compatible credit risk management environment. This individual also leads FNBO's Flood & Appraisal Policy and execution for all consumer and commercial applicable loans and leads the collateral inspection team for business loans. The pace, breadth, and complexity of challenges that the credit risk management organization must address continue to expand rapidly. The Head of Credit Risk, Secured Consumer Loans, Flood & Appraisal is responsible for appropriately assessing changes in the macroeconomy and consumer behavior, protecting customers and FNBO by identifying and mitigating the impact of macroeconomic declines and adhering to regulatory and policy requirements. About This Role: Partnering with cross-functional partners and stakeholders to deliver sustained growth through prudent risk practices. Leading a best-in-class credit risk team accountable for all credit risk associated with consumer secured loans. Leading the Flood, Appraisal and Environmental Risk Policy and execution at FNBO. Leading the Collateral Inspection team for Business segment loans. Delivery of strategic initiatives and management of new and emerging risks Ensuring a consistent and strong control environment Represent credit risk management at executive and business segment committee meetings (e.g., Individual Segment Credit Policy Advisory Committee, FNNI Credit Policy Committee) The Ideal Candidate for This Role: 15+ years of relevant credit risk management or financial services experience required Knowledge of secured consumer loan P&L dynamics and the interaction of consumer behaviors, product configuration and the macroeconomic environment Knowledge of FIRREA / Interagency Guidelines/Fannie Mae Valuation, Flood Disaster Protection Act, and Environmental Risk regulations. Demonstrated experience in leading change, with a track record of identifying and implementing opportunities to improve business operations and performance Demonstrated success in managing partner relationships Working knowledge of the applicable laws and regulations that govern lending in a financial institution Education Level: Bachelor's Degree, Masters Degree preferred in finance, engineering, mathematics, or statistics 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. Building Talent: Focuses on selecting and managing the organization's talent to ensure retention and availability of critical skills needed to meet business needs. 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. Compensation and 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/. To obtain compensation and benefit information related to this specific role, 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-20250230 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 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.