Director Credit Administration - Consumer & Mortgage Collections

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.

About This Role:

• Accountable for one or more related departments, multiple products across multiple Banks.
• Combination of operational and strategic
• Develops departmental business plans
• Manages through Managers
• Broad knowledge of systems, department and industry

The Ideal Candidate for This Role:

• Collection and Charge-off Recovery for all Individual Segment Banking Products:
  • Mortgage Loans - Bank-owned and all Investor Serviced (Fannie, Freddie, VA, FHA, HUD, etc.)
  • Home Equity Loans and Home Equity Line of Credit
  • Unsecured Loans and Line of Credit
  • Direct Title Vehicle Loans
  • Indirect Title Vehicle Loans
  • Other Secured Loans
  • Patient Financing - Corporate Banking
  • Private Banking - on request
  • DDA Overdrafts
  • Small Business Banking

• Strategy and workload management - Create and execute collection strategies to improve collection and recovery effectiveness.
• Manage Staff
• Management of Collection staff that currently has 19 people located in Omaha, Wayne and Colorado. - Recruit, select, train, coach and develop direct reports in Management and Associate roles as well as responsibility for human resources activities for the team.
• Cost Center Management - Budgeting, loss forecasting, unit cost, expense management and approval processing.
• Approval Authority - Review and sign-off approval of invoices and legal expenses for loans across Retail branch cost centers for legal firms, collection agencies and vendors, foreclosures, repossessions, short sales, deed in lieu, charge-offs and settlements.
• Responsible for signing notarized documents for Loan modifications and mortgage related loss mitigation.
• Negotiate with Realtors or Attorney - Negotiate with realtors and customers to resolve short sale or modifications with Credit.
• Foreclosures - Work with law firms and attorneys to conduct Foreclosures on collateral.
• Site Visits and Inspections - Conduct property site visits and review values to determine foreclosure options and decisions.
• Repossession of vehicles
• Vendor Management - Third-party vendor management responsibility in Archer for all law firms, collection agencies and other collection vendors.
• Present Results, MIS, data decks - Prepare and present monthly results to senior management at various meetings.
• Audits and Exams - Represent the department and participate in various external and internal regulatory exams, including OCC, CFPB, Fannie Mae, other Servicing Investors, Internal Audit, Compliance Review and Loan Review.
• Performance and Improvement - Monitor staff performance and promote changes, identify improvements, prepare and complete action plans.
• Policy, Guidelines and Procedure - Maintain policies, guidelines and procedures for all products.
• Quality Assurance and Quality Control - Regulatory testing and working with our governance group and Compliance areas to document risks and controls.
• Systems expert and administration - Responsible for end results and assist in administering multiple technology systems used in Collections - TCS, RMS, Hogan, ICE-MSP.
• Patient Financing - Work with Corporate Banking, Patient Financing group, to manage collections and guarantee buyback process.

Compensation:

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:

• 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.

Equal 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 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.