Head of Credit Risk, Commercial Payments

The Head of Credit Risk, Commercial Payments is a key strategic contributor to evolving the Commercial Payments strategy at FNBO. This is a critical credit/operational risk leadership role responsible for underwriting and credit review of high dollar commercial payment products primarily on unsecured terms. It is responsible for the credit risk strategy for FNBO products managed by the Commercial Payments/Treasury business line such as ACH/ Third Party Sender, Wires, Large ($1MM+) Commercial Credit Cards including Virtual Cards, Global Banking Transactions, and Merchant Services. The role will also be responsible for oversight of counter party risk. This individual will play a key partner role with the Credit Policy Committee, the Loan Committee, to facilitate growth within FNBO’s long term risk appetite.

Key Responsibilities:

• Partner with cross-functional partners, and stakeholders to deliver sustained growth through prudent risk practices
• .Develop and implement a best-in-class relationship-based review and approval process for all credit and other loss exposure products related to the Commercial Payments/Treasury business line
• .Monitor Commercial Payments portfolio quality. Report on relevant portfolio trends to FNBO Credit Leadership and other stakeholders and propose relevant changes in policy, concentration limits, risk rating process, as new internal or external trends emerge
• .Work with Commercial Payments leadership to ensure negotiated terms and conditions of all loans/exposure secured and unsecured adhere to bank policy
• .Lead a team of Commercial Payments credit analysts; develop and manage to appropriate standards of performance. Identify gaps in expertise and obtain organizational commitment to hire talent to address deficiencies
• .Support the 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, FNNI Loan Committee, FNNI/FNBO Special Assets Committee

)
Qualifications:

• ​10+ years of experience managing underwriting policy and monitoring portfolio performance for commercial credit cards with multi-million dollar borrower commitment
• s.Demonstrated in depth knowledge of credit and operational risks in the Commercial Payments/Treasury business: Large ($1MM+) Commercial Cards, Virtual Cards, Third party Sender/ACH, Merchant Services, Global Banking, and emerging new technologies and product
• s.Demonstrated experience in leading change, with a track record of identifying and implementing opportunities to improve business operations and performanc
• e.Demonstrated success in working across business lines to drive business decision
• s.Education Level: Bachelor's Degree, Master’s Degree preferred in finance or economic

s.
Leadership Attribute

• s: Strategic Visioning: Defines and articulates the future state through an understanding of internal and external challenges, identifying unique opportunities to create val
• ue.Creativity & Innovation: Generates or facilitates the generation of new ideas, methods, product, or solutio
• ns.Assertiveness & Courage: Takes action in the face of challenges, despite fear of failure or feelings of discomfort and uncertain
• ty.Building Talent: Focuses on selecting and managing the organization’s talent to ensure retention and availability of critical skills needed to meet business nee
• ds.Change Leadership: Initiates and facilitates organization changes and business transformati
• on.Decision Making: Selects a course of action from different alternatives to reduce risk and uncertainty and to create optimal outcom