Sr. Director, ESOP Lending

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.

FNBO is building a dedicated ESOP lending practice and were looking for the right person to lead it. This is a rare opportunity to build something from the ground up inside one of the nations largest privately held banksa 168-year-old institution with over $35 billion in assets six generations of family leadership and a culture rooted in doing the right thing for our customers communities and each other.

Employee Stock Ownership Plans are one of the most powerful tools in American businesspreserving local jobs building employee wealth and keeping privately held companies in the hands of the people who built them. At FNBO ESOP lending isnt a product line. Its an extension of who we are. As a privately held institution we understand the mindset of business owners considering employee ownership because it mirrors our own. That authenticity in shared values is the foundation of our competitive advantage in this space.

Were looking for a builder. Someone who has the experience to structure and close complex ESOP transactions the vision to develop an industry-leading practice and the relational skills to earn trustwith business owners with ESOP advisory professionals and with colleagues across FNBO. This person will own the vertical end-to-end: strategy origination credit quality team development ecosystem relationships and financial performance.

About This Role:

• Build and lead FNBOs ESOP lending practice from inceptionestablishing the strategy infrastructure team and market presence required to develop a best-in-class program.
• Source structure and close ESOP financing transactions partnering with regional Relationship Managers and Credit Risk leadership to deliver solutions that serve our clients and meet our credit standards.
• Develop and cultivate referral relationships across the ESOP ecosystemtrustees valuation firms attorneys CPAs and sell-side advisors who influence lender selection on new ESOP formations.
• Establish FNBOs reputation in the ESOP industry through active participation in national organizations conferences educational programming and thought leadership.
• Partner across FNBOs platformWealth Management Treasury and regional banking teamsto deliver comprehensive solutions that deepen client relationships and drive cross-line-of-business value.
• Train and equip FNBOs existing commercial banking teams to identify ESOP-eligible clients and engage in early-stage succession planning conversations.
• Recruit develop and lead a high-performing team as the practice scales fostering a culture of credit discipline intellectual curiosity and urgency.
• Own the financial performance of the verticalorigination pipeline portfolio quality revenue growth and contribution to FNBOs strategic objectives.

The Ideal Candidate for This Role:

• Bachelors degree required. MBA preferred.
• Minimum 10 years of commercial banking experience with direct involvement in ESOP lending transactionsfrom origination and structuring through closing and ongoing portfolio management.
• Deep understanding of leveraged ESOP transaction mechanics including seller financing structures cash flow dynamics ERISA and DOL compliance independent trustee and valuation requirements and repurchase obligation considerations.
• Demonstrated ability to build and manage referral networks with third-party professionalstrustees valuation firms attorneys CPAs and sell-side advisors.
• Strong credit analysis and presentation skills with experience presenting to senior credit committees.
• Proven track record as a player-coach: someone who can personally originate and close deals while simultaneously building infrastructure developing a team and executing a multi-year growth strategy.
• Values alignment with FNBOs culture of passion integrity and respect. You believe that how you do business matters as much as the business you do.

• Existing relationships within the ESOP advisory ecosystemparticularly in the Midwest and Plains states.
• Active membership or leadership in NCEO The ESOP Association (TEA) or ESCA.
• Experience building a new business line lending vertical or specialty practice from inception.
• Background in a relationship-driven community or regional banking environment.
• Familiarity with middle-market commercial clients in manufacturing construction professional services wholesale distribution and related industries.

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

Compensation:

Compensation range (base pay): $158696.00-$269783.00

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 youll 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: 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.

Job number: R-

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.