Director, Private Banking

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:

Primary Responsibilities

Relationship Banking for HighNetWorth Households

• Serve as the primary banking advisor for complex households including multientity structures such as family LLCs trusts and wealthtransfer arrangements.
• Deliver integrated banking solutions that support liquidity management borrowing needs and daytoday 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 highnetworth households: large operating accounts wealthtransfer accounts multientity cash flows and multiparty access
• Support deposit growth and profitability consistent with FNBOs 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 highnetworth households. Typical credit needs include:

• Personaluse loans for clients with complex income structures (e.g. K1).
• Liquidity bridge loans tied to known future events.
• Secondhome financing or nonconforming mortgage alternatives.
• Construction financing secured by investment portfolios.
• Investment real estate lending for smaller portfolios within established limits
• Securitiesbased lending or credit secured by alternative nonbusiness 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 FNBOs longterm 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 clientfacing functions within the bankers 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 marketspecific 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 systembased solutions over manual workarounds whenever possible.
• Maintain high standards of documentation clarity and crossteam 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 FNBOs cultural standards and values

Key Competencies:

Banking & Credit Expertise

• Deep understanding of personal lending structures complex income streams investmentsecured credit and multientity deposit management.

Relationship Management

• Skilled at managing relationships with highnetworth households and their trusted advisors.
• Communicates clearly anticipates needs and maintains trust over long time horizons.

Collaboration

• Excellent crossfunctional 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 FNBOs 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 followthrough.

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:

• Bachelors degree
• Minimum of five (5) years of prior experience serving highnetworth 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).

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.