Relationship Associate, Loan Operations

At FNBO our employees are the heart of our storyand were committed to their success! Please see below the details of this career opportunity and how it fits into our organizations success.

About This Role:

1. Loan & Loan Origination

a. Utilizing the nCino workflow completion of the borrowing structure loan team loan details input

b. Understanding of and Loan Compliance completion of the HMDA and GMI form collection if applicable in nCino

c. Completing and collection the Smart Checklist Items such as 1-4 Family Reg B Appraisal Disclosure Ben Owner obtained / confirmed Ben Owner Signed Cert in FW CIP Validation Form Guarantor with California Address (if applicable) Populate Joint Intent Information (if applicable) RE HMDA Reportable Reg B (Joint Intent) Validation Reg B Eligibility Questionnaire Reg O Compliance Review Service Request Form

d. Move to credit

2. Upload necessary loan documents into FirstWork

3. Create closing packet if requested

4 Facilitate and assist loan closings with Processors RMs and Title Companies as needed. May include notary services

5. Assist RMs with Waivers Reliance Reviews Service Request Form as requested

a. RA completion requires the RM to review the form. RM is responsible for accuracy for data on all forms.

6. Obtain and review loan closing items including

a. Entity Docs

b. CAW

c. BFO

d. Insurance

e. UCC Name Verification

7. Post Close Monitoring

a. Upload necessary loan documents into FirstWork

b. Prepare loan for booking

c. Send originals for retention

d. Monitor and complete financial covenants

8. Financials Tracking Updates that may include

a. I.E. Tax Returns

b. Financial Statements (Personal Entity Guarantor etc.)

c. Cash Flow

d. Rent Roll

e. Broker Statements

9. Monitoring Items Tracking Updates that may include

a. Waivers

b. Borrowing Base Certificates

c. A/R A/P

d. Compliance Certificates

e. Inventory

10. Maintenance / Transaction Processing

a. Execute loan payments and advances for customers and conduct research

b. RM/Cost Center Updates

c. Construction/Equipment Draws

d. Generate and process reports that may include

1. Past Due Loan Payments

2. Matured Loan

3. Loans coming due

4. Portfolio reports

5. Covenant Reports

e. Upload necessary loan documents into FirstWork

f. Address updates

g. Statement request

h. Balance and Loan history

Banking

j. CAW/BFO updates outside of origination

k. Restraints

l. Invoice Processing (Not completed by all RAs)

m. Payoff Quotes

11. RM Support include but not limited to pipeline and covenant report conversation/review

12. Deposits & Deposit Origination

a. Checking Savings CD including uploading necessary documents into FirstWork as well as DocuSign

b. Maintenance / Transaction Processing

1. Process wires for customers

2. Generate and process NSF OTP Portfolio reports

3. RM/Cost Center Updates

4. Upload necessary loan documents into FirstWork

5. Research

6. Statement request

7. Balance Inquiries

8. Transfers

9. Address Changes

10. Title Changes

11. NAICS code updates

12. Check orders

13. Debit Card orders

14. Online banking

15. CAW/BFO updates outside of origination

16. Account cloTY sing

17. General maintenance

18. Fraud/Hard holds Pledges

19. Stop -Payments

20. Office Supply orders (Not completed by all RAs)

13. Problem Solving

The Ideal Candidate for This Role:

• Bachelors Degree or equivalent relevant work experience (financial services operations client onboarding or related field).

• Strong organizational skills with high attention to detail and accuracy.

• Excellent written and verbal communication skills with the ability to coordinate across internal teams and external partners..

• Ability to manage multiple priorities and balance partner needs in a fast-paced environment.

• Strong analytical and problem-solving skills with a continuous improvement mindset.

• Customer-service orientation with a proactive approach to issue resolution.

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.

Work Environment:

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: additional information regarding compensation and benefits e-mail FNBO at . 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 selvesno 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.