FNBO

General

• Process customer transactions at branch locations
• Deliver exceptional service to FNBO customers
• Work with a friendly, positive attitude
• Participate in training activities
• Collaborate with team to achieve individual and team success
• Help at other branches as needed
• Make right decisions for customers

Teller

Associate

• Provide ongoing customer relationship management support to retain accounts and expand client relationships into the next generation
• Research, resolve and respond to clients’ inquiries/issues in a timely and professional manner
• Ask the right questions and listen to customers to gain an understanding of their needs, accurately identify and define customers’ needs or issues
• Perform necessary duties consistently and reliably to meet customer expectations
• Understand and contribute to intended customer experience to foster the relationship and perform duties as needed or requested, including regular and professional communication with centers of influence (i.e. accountants and attorneys)
• Assist with projects and general office duties as assigned
• Ability to read and understand the complexities of a Trust document in order to manage opening, funding, closing and transferring processes as well as regular maintenance of accounts according to bank policies and guidelines within the designated trust platform system or other technology tools
• Prepare and maintain appropriate forms and documentation per direction of the Trust Advisor to complete transactions ensuring completeness and appropriate customer, co-fiduciary, advisor, officer and/or committee approvals
• Demonstrate knowledge of the organization’s products/services and recommend proactively customer solutions
• Anticipate needs from the Trust Advisory team
• Complete multiple tasks by prioritizing time with the team and working together to communicate ongoing activities
• Properly execute transactions in a timely manner
• Communicate on a regular basis with Trust Advisors regarding opportunities to enhance the relationship with clients
• Establish a good working relationship with peers to build trust and support
• Develop awareness of how assigned duties and tasks integrate with and affect the work of others
• Develop and maintain strong relationships with business partners across the organization to facilitate everyday transactions
• Follow-up with both clients and/or internal contacts to verify the clients’ needs are being met
• Facilitate and monitor exception decisions to ensure no unnecessary delays impact workflow or client expectations
• Identify areas where efficiency and process improvement are needed within own area of work
• Regularly use process improvement tools and techniques to assess and simplify workflow
• Understand and comply with the Bank's policies, regulations and BSA/AML Program, which includes, but is not limited to the following: Comply with the Bank's Customer Identification Program and Customer Due Diligence Policy, Identify, monitor and report suspicious activity, Complete BSA/AML/Compliance training in a timely manner as directed by management
• Exhibit professional behavior and promote a positive work environment, contribute to the team and understand and strive toward department goals
• Maintain regular and predictable attendance in alignment with departmental/divisional policy

Trust Associate

Artificial Intelligence

• Reimagine Credit Strategy Through Automation
• Deconstruct and redesign credit underwriting processes
• Identify opportunities where AI and machine learning can enhance credit decisions
• Partner with IT and business teams to translate credit requirements into technical specifications
• Build compelling business cases for technology investments
• Design sophisticated workflow automation
• Leverage FNBO's AI toolkit to prototype, test, and scale solutions rapidly
• Present recommendations to C-level executives with clarity and confidence
• Drive change management efforts
• Stay ahead of emerging AI capabilities and credit technology trends

Credit Risk AI Enablement

Analyst

• Conduct complete credit underwriting including: Independent preparation of loan presentation packets (credit memos) for new credit requests, loan renewals and annual reviews.
• Spread and analyze financial information (e.g. CPA prepared statements, tax returns, internal financial statements, etc.) for borrowers, guarantors and related entities.
• Conduct the appropriate level of guarantor analysis to include: credit bureau reports, personal financial statements and tax returns.
• Spread and analyze personal guarantor cash flow and provide global cash flow analysis inclusive of all known contingent liabilities.
• Perform collateral analysis including margin/loan-to-value calculation.
• Determine the appropriate risk rating for credits using the FNNI risk rating matrix and appropriate verbiage to support the assigned rating.
• Process requests in a timely manner to ensure desired service levels and compliance requirements are met.
• Research credit requests including related commitments, background on borrowing entities, analyze industry risks
• Perform sensitivity analysis on borrowers based on relevant and specific industry and economic variables and assumptions.
• Demonstrate strong working knowledge of all related FNNI computer systems (nCino, Optimist 8, Foundation, etc).

Analyst II, Credit Analysis

Sales

• Assess and develop new market initiatives and business opportunities.
• Meet and exceed forecasted sales goals for finance volume while maintaining consideration for overall company profitability.
• Develop, maintain and manage customer relationships and resulting transactions through regular personal visits to growers and dealers/manufacturer sales teams.
• Work directly with dealer sales teams by training dealers in DFS procedures and programs and updating the training as procedures and programs change.
• Lead the development of customized financing structures that enable dealers to expand market share.
• Drive revenue growth by delivering, customer-focused financing solutions aligned to evolving dealer needs.
• Serve as a trusted advisor to dealers by structuring financing solutions that support long-term customer success.
• Understanding and adhering to all company policy, laws, and regulations applicable to the role.
• Exhibiting professional behavior, conscientious about punctuality and attendance, demonstrates strong commitment to customer service and promoting positive working relationships.

Senior Regional Sales Manager – DFS

Financial Planning and Analysis

• The Sr. Financial Advisor is accountable to advise affluent clients through multiple delivery channels of investment management, fiduciary advice, specialized asset management, full service financial planning and business succession planning
• Serves as an advisor to affluent clients with sophisticated investment needs
• Meets regularly with clients to assess client financial situation to determine investment objectives and risk tolerance
• Develops networks with third party referral sources to develop new business
• Partners with internal bank specialists to provide a full array of expertise to clients

Senior Financial Advisor

Marketing

• Serve as the subject matter expert on cross functional, omnichannel marketing automation capabilities and best practices
• Identify, champion, and implement approach to leverage underutilized marketing automation capabilities that improve customer engagement and operational scalability
• Operationalize marketing strategy by implementing scalable campaign frameworks, reusable templates, governance standards, and operational best practices
• Partner with technology, data, and analytics teams to support integrations, audience enablement, and data quality initiatives
• Champion sophisticated omnichannel marketing personalization strategies leveraging customer data, behavioral triggers, AI-driven recommendations, and dynamic content
• Collaborate with data engineering and analytics teams to ensure proper data ingestion, hygiene, consent management, and utilization within the platform
• Support and operationalize advanced personalization strategies leveraging customer data, behavioral triggers, dynamic content, and AI-driven capabilities
• Analyze campaign and journey performance to identify actionable insights and strategic opportunities
• Act as the bridge between marketing strategy and technical execution teams, translating complex requirements into scalable solutions
• Oversee and support campaign deployment processes, stepping into hands-on execution for high-complexity, high-visibility, or technically challenging initiatives as needed