Director, CECL Analytics and Loss Forecasting

Overview 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 JobDirector, Loss Forecasting and CECL Analytics is a technical and business leadership position that drives the organization's CECL strategy, loss forecasting excellence, and credit risk business intelligence across FNBO's consumer installment loans and card portfolios in both consumer and commercial segments. This dual-focused role combines deep technical expertise in advanced statistical and econometric modeling techniques with strategic business leadership, serving as both the primary subject matter expert for sophisticated loss forecasting models and a trusted advisor to executive leadership on credit risk trends, regulatory implications, and strategic opportunities within the loss forecasting domain.Major Responsibilities Individual contributor role leading strategic business initiatives integrating loss forecasting capabilities with business strategy execution, risk appetite development, and regulatory compliance across consumer and commercial lending portfolios.Serve as trusted advisor to executive leadership, providing strategic insights that connect loss forecasting results to business performance, market opportunities, and strategic decision-making.Utilize advanced statistical and programming skills to develop sophisticated loss forecasting models for FNBO's consumer installment loans and card portfolios across both consumer and commercial segments.Apply sophisticated econometric techniques including regression analysis, time series modeling, survival analysis, and portfolio segmentation approaches consistent with industry best practices and regulatory guidance.Lead continuous enhancement of CECL qualitative assessments and write-ups, ensuring comprehensive explanations of portfolio-specific risk factors, economic adjustments, and management overlays that support quantitative model outputs.Develop and communicate advanced business intelligence that connects loss forecasting results to management decisions, macroeconomic trends, and organizational objectives across wide business audiences.Ensure models meet regulatory standards including SR 11-7, while serving as primary liaison with internal and external regulators, auditors, and vendors on ongoing CECL-related matters and examinations.Drive ongoing improvement of qualitative methodologies, model validation processes, and documentation standards while ensuring regulatory compliance.Drive business innovation through enhanced loss forecasting methodologies and process automation that support business growth and operational efficiency.Provide strategic guidance and technical mentorship to analysts and business leaders across the organization on complex analytical projects, modeling techniques, and qualitative assessment methods.Build organizational capabilities through expertise sharing, training initiatives, and strategic consultation that enhance enterprise credit risk management including both quantitative and qualitative analysis expertise.Knowledge & Skills The Ideal Candidate for This Role:Demonstrated leadership abilities with experience managing projects and/or teams in a technical environment.Ability to manage multiple complex projects simultaneously while meeting critical deadlines.Knowledge of consumer installment loans and consumer and/or small business credit card loans.Extensive knowledge of statistical and data science methods applied in the finance industry along with advanced programming skills.Ability to work with data to identify complex business trends and propose solutionsAbility to build consensus and influence the organization in order to achieve business goals.Experience with loss forecasting and stress testing at a financial institution, preferably a CCAR institution.Education And Experience Master's degree or PhD in data science, mathematics, statistics, finance, economics, or related field required.8+ years of experience in highly analytical business functions, including at least 4 years in Credit Risk, modeling or related fields.3+ years of experience using Python programming, and SQL with a focus on data analysis, financial modeling, and expert knowledge of Excel.Strong knowledge of working with cloud-based data warehousing solutions (e.g., Snowflake) and version control systems (e.g. Git).Demonstrated excellent oral and written communication skills.Demonstrated ability to handle stress, meet deadlines and work independently.Experience in banking or financial services is preferred.Candidates must possess unrestricted work authorization and not require future sponsorship.Compensation Compensation range (base pay): $95,857.00-$162,957.00This 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.Work Environment It is anticipated that the incumbent in this role will work remotely, offering you the freedom to contribute to our mission from wherever you work best, without compromising on career growth or connection to our team. Regardless of your location, you'll be fully integrated into our team through robust digital collaboration tools and regular communication. The incumbent can work remotely from any of the states listed on the job posting, though occasional travel may be required for in-person meetings. Please note, work location is subject to change based on business needs.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 Insurance401k, With Matching ContributionsTime Off ProgramsHealth Savings Account (HSA)/Dependent CareEmployee BankingGrowth OpportunitiesTuition AssistanceShort-Term/Long-Term Disability InsuranceLearn more about FNBO benefits here: 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-20250902Equal Opportunity & Belonging 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 selves—no matter their role or where they are in their journey.Learn more here.FNBO is an equal opportunity employer for all employees and applicants and makes employment decisions without regard to status or identity.Click here to download 'EEO is The Law' Self-Print PosterClick here to download 'EEO is The Law' Supplement for Federal ContractorsClick here to download 'EEO is The Law' GINA SupplementFNBO is an Equal Opportunity/Affirmative Action/Veterans/Disability Employer - Member FDICFNBO follows federal law regarding the use of marijuana (this applies to all non-California applicants)Application DeadlineAll 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.#J-18808-Ljbffr