Sr. Director, Commercial Credit Portfolio Oversight

Senior Director Of Commercial Credit Risk Oversight

At FNBO, our employees are the heart of our storyand 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.

Summary Of The Job :

The Senior Director of Commercial Credit Risk Oversight is a key enterprise leader responsible for setting and executing best-in-class credit risk practices across the bank's commercial lending portfolios, including Commercial Real Estate (CRE), Commercial & Industrial (C&I), and Agricultural lending. This individual will lead high-impact, cross-functional initiatives in partnership with business lines, credit officers, risk governance, and technology teams. This role involves oversight of risk rating frameworks, portfolio monitoring, risk reporting, and the management of evolving credit risk factors including refinance risk and policy exceptions. The ideal candidate brings deep expertise in credit risk management, excellent leadership skills, and a strategic mindset to anticipate and adapt to macroeconomic and industry trends.

About This Role :

• Lead the design and implementation of a new dual risk rating model for all commercial portfolios, ensuring alignment with regulatory expectations and internal capital planning needs.
• Lead the risk management framework for refinance risk exposure across CRE, C&I, and Ag portfolios, especially in a high-interest-rate environment.
• Oversee portfolio-level credit risk monitoring and trend analysis, including identification of emerging risks and stress testing implications.
• Collaborate with business line credit officers to identify, report, and remediate policy exceptions, concentrations, and documentation issues.
• Establish and maintain credit risk dashboards and governance materials for executive and board-level consumption.
• Partner with credit policy and analytics teams to evolve commercial credit risk appetite thresholds, credit underwriting guidelines, and collateral management requirements.
• Serve as a senior commercial credit SME in strategic planning sessions and lead division-level credit committees.
• Provide thought leadership and mentoring to other credit and risk professionals across the enterprise.

The Ideal Candidate For This Role :

Leadership Attributes :

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

Compensation :

Compensation range (base pay) : $141,440.00-$240,448.00

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.

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 :

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-20250927

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 selvesno matter their role or where they are in their journey.

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

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.