Summary
Overview
Work History
Education
Skills
Websites
Accomplishments
Timeline
Generic

Amy Johnson

Senior Associate
Yankton,SD

Summary

  • Highly accomplished financial professional with over 29 years of experience in banking, including 16 years in commercial and agricultural underwriting and credit management.
  • Proven track record of experience in commercial credit management through positive change management, effective credit process optimization, process design and implementation.
  • Led and developed high-performing teams, fostering professional growth across multiple credit functions., utilizing a strategic team-building approach to managing individuals and guiding them further reach their career goals.
  • Adaptable, goal-oriented, and a motivated problem solver, with minimal supervision needed.

Overview

17
17
years of professional experience
2005
2005
years of post-secondary education

Work History

Senior Associate, Credit Governance and Controls Enablement

First National Bank Omaha
Yankton, SD
04.2025 - Current
  • Responsible for creation of continuous improvement initiatives for the Commercial Credit Services team, including design and implementation of an end-to-end commercial credit analysis process focused on delivering efficiency and effective data integrity controls.
  • Responsible for development and implementation of comprehensive standard operating procedures and policies, allowing for a more seamless enforcement of Credit wide process changes.
  • Strategic partner with senior credit management, providing input and support on strategic vision and optimization of operational transformation initiatives.
  • Collaborating directly with the Commercial Credit Systems product team to design and implement a more optimized credit systems strategy, including assistance with determining data configuration needs.

Director, Region A & D Credit Analysis

First National Bank Omaha
Yankton, SD
04.2015 - 04.2025
  • Directed multi-regional credit operations and led strategic process transformation, empowering analysts and aligning credit practices with enterprise risk and growth goals.
  • Directed daily operations of credit analysis for 15 team members, including request assignment, pipeline oversight, capacity planning, and support for senior leadership decision-making.
  • Led two transformational workstreams under FNBO’s End-to-End Initiative: Conducted credit function gap analyses, identified systemic inefficiencies, and proposed strategic enhancements through detailed business cases.
  • Collaborated across departments to improve secured lending processes and ensure alignment with enterprise goals.
  • Partnered with Learning and Development to design modular training programs for credit analysts, covering onboarding, commercial real estate, C&I lending, loan memo writing, and agricultural lending fundamentals.

Director – Commercial Lending

First National Bank Omaha
04.2011 - 04.2015
  • Managed a $30MM commercial loan portfolio, overseeing ongoing portfolio performance and credit quality.
  • Led business development efforts to expand commercial relationships and grow market presence.
  • Partnered with Market President and Senior Lender on loan portfolio oversight, classification reviews, and exception management.
  • Played a key role in credit risk mitigation by assisting in problem loan identification, development of workout strategies, and charge-off prevention.
  • Oversaw technical exception tracking and contributed to loan loss reserve methodology and administration.
  • Mentored and trained new credit analysts through hands-on coaching and support.

Senior Credit Analyst

First National Bank Omaha
09.2008 - 04.2011
  • Conducted in-depth analysis of commercial and agricultural credit requests by gathering and evaluating diverse financial data sources.
  • Prepared objective, comprehensive Loan Approval Memos in accordance with the bank's credit policies and lending standards.
  • Collaborated with Lending Officers to develop and implement relationship strategies that minimized credit risk and supported customer goals.
  • Provided expert guidance on loan structuring and monitoring practices to ensure prudent risk management.

Education

Bachelor of Arts - Business Administration

Mount Marty College
Yankton, SD
12.2004

Skills

Commercial Credit Analysis

Credit Risk Management

Process Optimization

Team Leadership & Development

SBA & Ag Lending

Portfolio Oversight

Strategic Planning

Training Program Design

Accomplishments

Babe and Peggy Sampson Scholarship, 03/01/04, Awarded for part time students.

Timeline

Senior Associate, Credit Governance and Controls Enablement

First National Bank Omaha
04.2025 - Current

Director, Region A & D Credit Analysis

First National Bank Omaha
04.2015 - 04.2025

Director – Commercial Lending

First National Bank Omaha
04.2011 - 04.2015

Senior Credit Analyst

First National Bank Omaha
09.2008 - 04.2011

Bachelor of Arts - Business Administration

Mount Marty College

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Amy JohnsonSenior Associate