Job Description

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.

of the Job:

Responsible for the development of new business and broadening existing customer base with an emphasis in providing traditional bank credit and depository services. Also responsible to promote and sell other fee based financial services offered by the organization.

About This Role:

Individual responsibilities include calling on existing and prospective customers in effort to retain and develop business for the organization. Structure and price credits in an appropriate fashion that creates value for the customer while adhering to the organization’s underwriting standards, policies, and pricing objectives. Responsible for the performance of individual loan portfolio in all aspects including but not limited to growth and quality. Maintain current knowledge and comply with regulatory and bank standards, policies, and procedures related to depository and lending activities along with other areas of the organization as required by management. For further clarity Individual Credit Duties and Responsibilities are as follows:

• Prepare loan and sales proposals.
• Spread Financial Statements – analyze and monitor financial information as required for loan presentation worksheets (LPWs) and narrative.
• Maintain assigned loan portfolio.

• Sell additional products and services to customers.
• Actively participate in Credit Committee meetings and make complete and accurate presentations to the loan committee.
• Follow up specific leads offering business development opportunities among customers and prospects.
• Maintain a very high asset quality.
• Must be able to define problems, collect data, establish facts and draw conclusions.
• Fully accountable for loan risk rating recommendations.
• Develop periodic “action plans” for loan customers demonstrating a weakening financial condition.
• Credit portfolio management will include processing new loan requests, annual and periodical credit reviews, modifications, renewals, market research, short term asset analysis (accounts receivables and inventory), appraisal order coordination, appraisal reviews, loan closings, commercial and construction draw approval and processing, project inspection coordination as required, payment collection, accountability for loan documentation and other loan matters as required to maintain loan portfolio.
• Prepare summary memos for members of Executive Management as required.

The Ideal Candidate for This Role:

Job Qualifications/ Required Skills and Abilities:

• Proven ability to underwrite complex credits and negotiate terms and conditions with sophisticated borrowers.
• Minimum of 5 or more years of experience in financial institution lending exhibiting increased level of responsibility and performance
• Knowledge of lending compliance, policies, and procedures is essential

• Broad understanding of other Bank products and services.
• Maintain a substantial and growing loan portfolio with regard to quantity and quality.
• Must be properly licensed and meet requirements with respect to National Mortgage Licensing System and Registry (NMLS).

• Bachelor’s degree in business, finance or related field or equivalent experience.
• Superior written and verbal communication skills
• Exhibit and maintain high degree of professionalism
• Maintain high degree of confidentiality and integrity
• Ability to communicate effectively and professionally at all levels of the organization
• Excellent follow through and time management skills
• Excellent attention to detail
• Strong PC, web, database/Excel knowledge as required.
• MUST exhibit good business acumen
• MUST possess a “can do” customer-service attitude/philosophy

Community Leadership

Represents the bank and provides leadership in key community activities that may include business, charitable, civic and other social organizations to maintain a proper responsible citizen stature for the bank.

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

Compensation:

Compensation range (base pay): $107,552.00-$182,838.00

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.

Work Environment:

It is anticipated that the incumbent in this role will work onsite at the posted location. Our onsite environment fosters innovation, mentorship, and a vibrant culture where ideas flow freely and relationships flourish. As part of our team, you'll experience the energy of our collaborative spaces designed to support your professional growth while working alongside talented colleagues who inspire excellence daily. Please note that 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 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.

Job number: R-20260738

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 hereto 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.