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:

The Private Banker serves as the primary banking advisor to high net worth households who qualify for FNBO Private Banking with investable assets or deposits. This role delivers relationship centric, banking first expertise across deposits, liquidity, and personal credit solutions for households with complex financial lives.

Private Bankers manage an existing book and consistently generate new qualified households. They collaborate seamlessly with Wealth Advisors (Advisor Led and Team Led), Trust, Commercial Relationship Managers, Credit, Operations, and Private Banking Associates, ensuring a helpful, easy, personal, and frictionless experience aligned with FNBO’s Compass values of integrity, respect, and passion.

About This Role:

Primary Responsibilities

Relationship Banking for High‑Net‑Worth Households

• Serve as the primary banking advisor for complex households, including multi‑entity structures such as family LLCs, trusts, and wealth‑transfer arrangements.
• Deliver integrated banking solutions that support liquidity management, borrowing needs, and day‑to‑day financial operations.
• Collaborate in joint meetings with Wealth (Advisor Led and Team Led), Trust, and Commercial partners as appropriate.
• Maintain clear, timely communication and set appropriate expectations for clients and partners.

Deposit & Liquidity Management

• Advise clients on account structures, money movement, overdraft monitoring, and liquidity positioning across household entities.
• Address the needs typical of high‑net‑worth households: large operating accounts, wealth‑transfer accounts, multi‑entity cash flows, and multi‑party access
• Support deposit growth and profitability consistent with FNBO’s funding and pricing methodologies (FTP).
• Identify and resolve operational issues through coordinated work with Private Banking Associates and Operations partners.

Personal Credit Solutions

Private Bankers structure and steward customized personal credit relevant to high‑net‑worth households. Typical credit needs include:

• Personal‑use loans for clients with complex income structures (e.g., K‑1).
• Liquidity bridge loans tied to known future events.
• Second‑home financing or non‑conforming mortgage alternatives.
• Construction financing secured by investment portfolios.
• Investment real estate lending for smaller portfolios within established limits
• Securities‑based lending or credit secured by alternative non‑business assets.

Responsibilities include:

• Structuring credit requests, assessing collateral options, and preparing for Credit
• Exercising delegated lending authority as allowed by Credit Policy.
• Collaborating with Credit to ensure sound underwriting and appropriate monitoring
• Ensuring credit structures do not migrate into business segment, CRE, or individual segment territory.

Portfolio Management & Growth:

• Manage a book of qualified households; deepen relationships through loans, deposits, and banking solutions.
• Generate consistent new growth by prospecting and adding new qualified households
• Maintain proactive engagement with clients to anticipate liquidity needs, life events, and structural changes.
• Monitor portfolio balance amortization and cash movement for opportunities
• Identify and refer opportunities to Wealth (Advisor Led, Team Led, Trust) in alignment with FNBO’s long‑term Private Banking strategy.

Business Development & Community Presence:

• Build Centers of Influence (COIs), including attorneys, CPAs, real estate professionals, and other trusted advisors.
• Represent FNBO at community events and client‑facing functions within the banker’s assigned market.
• Build pipelines and track activity using Salesforce to maintain visibility, discipline, and forecasting accuracy.
• Support growth in all markets where FNBO has presence, without relying on market‑specific distinctions.

Operating Discipline & Systems Orientation:

• Use structured, repeatable processes to reduce variability, minimize errors, and create consistent client experiences.
• Partner with Operations, Product, and Risk to ensure high standards of accuracy, efficiency, and service quality.
• Prioritize system‑based solutions over manual workarounds whenever possible.
• Maintain high standards of documentation, clarity, and cross‑team coordination.

Partnership with Private Banking Associates:

Private Bankers will:

• Partner daily with Private Banking Associates to deliver timely, accurate execution of client requests.
• Provide clear direction on account openings, transfers, wires, fraud reviews, loan applications, and other client needs.
• Ensure Associates have the information and support required to facilitate frictionless service.
• Treat Associates as integral members of the client relationship team, ensuring aligned priorities and communication flow.

Compliance, Risk, and Regulatory Alignment:

• Adhere to all applicable banking laws, regulations, policies, and internal controls.
• Ensure segmentation is respected (e.g., Retail Mortgage, Commercial, CRE).
• Maintain clean audit and quality results through disciplined adherence to procedures.
• Serve clients in a manner consistent with FNBO’s cultural standards and values

Key Competencies:

Banking & Credit Expertise

• Deep understanding of personal lending structures, complex income streams, investment‑secured credit, and multi‑entity deposit management.

Relationship Management

• Skilled at managing relationships with high‑net‑worth households and their trusted advisors.
• Communicates clearly, anticipates needs, and maintains trust over long time horizons.

Collaboration

• Excellent cross‑functional partner with Wealth (Advisor Led, Team Led), Trust, Commercial, Credit, Operations, and Private Banking Associates.

Business Acumen

• Understands client financial dynamics, tax implications, and household liquidity flows.
• Recognizes how deposit and loan profitability contribute to FNBO’s broader financial performance.

Professional Judgment

• Operates with high ethical standards, sound judgment, and calibrated risk awareness.

Execution Discipline

• Uses structured processes to ensure accurate, consistent outcomes.
• Maintains high standards of timeliness, responsiveness, and follow‑through.

Success Measures

Loan Growth (volume, quality, profitability) Deposit Growth (balances, stability, profitability) New Qualified Household Acquisition Wealth Referrals & Conversions (Advisor Led, Team Led, Trust) Pipeline & Salesforce Discipline Risk & Compliance Performance Customer Retention & Relationship Depth

The Ideal Candidate for This Role:

• Bachelor’s degree
• Minimum of five (5) years of prior experience serving high‑net‑worth households in private banking, commercial banking, retail banking or wealth management.
• Demonstrated expertise in structuring personal credit and managing complex deposit needs.
• Strong communication, analytical, and interpersonal skills.
• Ability to work effectively in a matrix environment with multiple internal stakeholders.
• SAFE Act compliance (or ability to become compliant).

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-20260583

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.