FNBO

Analyst

• Perform independent credit analysis of commercial loan requests (C&I).
• Complete financial analysis and evaluation of credit worthiness.
• Prepare loan memorandums, risk rating matrices, financial analysis and collateral analysis.
• Develop and maintain a thorough understanding of loan products and procedures.
• Interact with and provide an exceptional customer experience to internal and external customers.
• Conduct complete credit underwriting, including: Prepare accurate and timely loan presentation packets (credit memos) for new credit requests, loan renewals and annual reviews.
• Spread and analyze financial information for borrowers, guarantors and related entities.
• Conduct the appropriate level of guarantor analysis including: credit bureau reports, personal financial statements and tax returns.
• Perform collateral analysis including margin/loan-to-value calculation.
• Determine the appropriate risk rating for credits.
• 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 and analyze industry risks.
• Perform sensitivity analysis on borrowers based on relevant and specific industry and economic variables and assumptions.
• Ensure compliance with loan policy and compliance standards, including the Bank’s BSA/AML program.
• Complete all assigned compliance training and adhere to internal procedures and controls, as required.
• Report any known violations of compliance policy, laws, or regulation, as well as suspicious customer and/or account activity.
• Maintain complete and accurate file documentation.

Analyst I, Commercial Credit Analysis

Operations

• Process incoming research requests, monetary account adjustments, and account updates for credit card and unsecured consumer loan accounts in compliance with applicable regulations.
• Utilize basic accounting concepts to resolve payment issues, review/issue credit balances, and ensure transactions are posted accurately and timely to customer accounts.
• Assist in recommending, implementing, training, and documenting new processes to gain efficiencies and reduce expenses.
• Research and resolve unapplied payments, credit balances, and payment inquiries related to credit card and unsecured consumer loan accounts.
• Calculate and process monetary account adjustments.
• Provide a positive customer experience while responding to written and verbal customer inquiries.
• Work collaboratively with various teams to identify opportunities to improve process efficiency and accuracy.
• Provide/participate, as assigned by management, in on-the-job orientation, training, and cross training of new and existing team members.

Senior Specialist, Credit Card Operations

• Critically and independently analyze complex credit commercial real estate credit requests for the Lending Staff with primary focus on financial, collateral, and industry analysis with little guidance and/or direction from Management and the Lending Staff.
• Ensure compliance with loan policy and compliance standards, including demonstration of a strong knowledge of FNNI Credit Policy and FNNI Risk Rating Policy.
• Complete all assigned compliance training and adhere to internal procedures and controls, as required.
• Report any known violations of compliance policy, laws, or regulation, as well as suspicious customer and/or account activity.
• Conduct extensive credit analysis including: Independent preparation of loan presentation packets (credit memos) for new credit requests, loan renewals and annual reviews.
• Evaluate and interpret financial data from borrowers, affiliated entities, and guarantors, focusing on comprehensive assessment of primary repayment sources and overall project viability.
• Perform detailed real estate collateral analysis including loan-to-value calculations, market/ industry assessments, and sensitivity analysis using the FNNI Property Analysis Form.
• Assist lenders with ongoing monitoring of loan covenants to ensure that borrowers remain in compliance with all covenants as specified in the loan agreement.
• Determine the appropriate risk rating for credits using the FNNI risk rating matrix, using appropriate verbiage to support the assigned rating.
• Demonstrate strong working knowledge of all related FNNI computer systems (nCino, Optimist 8, Foundation, etc).
• Assist with training of new employees and credit analysts, including serving as a peer mentor or SME (subject matter expert).
• Demonstrate the ability to discuss credits in-depth with Relationship Managers and make the appropriate recommendations based on risk of borrower.
• Participate in customer visits and/or calls with the Relationship Managers as needed.

Commercial Real Estate Credit Analyst II

• Perform independent credit analysis of commercial loan requests (CRE, C&I, and Agribusiness)
• Complete financial analysis and evaluation of credit worthiness
• Prepare loan memorandums, risk rating matrices, financial analysis and collateral analysis
• Develop and maintain a thorough understanding of loan products and procedures
• Interact with and provide an exceptional customer experience to internal and external customers
• Conduct complete credit underwriting including preparing accurate and timely loan presentation packets
• Spread and analyze financial information for borrowers, guarantors and related entities
• Ensure compliance with loan policy and compliance standards
• Provide exceptional customer service to staff, customers, and other related parties in support of the credit process

Bilingual

• Processing customer transactions at branch locations
• Providing exceptional service to FNBO customers
• Offering consistent, efficient, and accurate service
• Participating in training activities to develop skills
• Collaborating with team to achieve success

Part Time Teller, Bilingual Preferred

Full-stack Engineer

• Develop, support, and maintain Java Spring Boot microservices
• Develop, support, and maintain responsive front ends using Typescript and frameworks like Angular NG and React
• Utilize test-driven development to develop, support, and maintain unit tests with high application coverage using frameworks like Jest, Protractor, JUnit, and Mockito
• Collaborate with product managers, business analysts, and other stakeholders to understand and implement technical requirements
• Write clean, efficient, and maintainable code following established coding standards and best practices
• Conduct code reviews and provide constructive feedback to peers
• Troubleshoot, debug, and resolve software defects and performance issues
• Create and execute test plans to ensure software quality and reliability
• Participate in agile development processes including sprint planning, daily stand-ups, and retrospectives
• Document technical specifications, designs, and processes
• Contribute to continuous improvement initiatives for development processes and tools
• Maintain a service-oriented approach, prioritizing business needs and end-user experience
• Proactively communicate with stakeholders to ensure alignment and manage expectations
• Stay current with emerging technologies and industry trends relevant to the financial services sector

AWS Software Engineer – Greenfield Development

Product Manager

• Create long-term vision and roadmap for product or product set based on customer and business needs.
• Establish OKRs for 1-3 years.
• Look across a broad set of products to seek alignment, opportunities, and packaging.
• Frequent collaboration with Senior Leaders to set strategies.
• Work with marketing to establish marketing strategies.
• Coordinate multi-disciplinary teams to deliver new capabilities aligned to business goals.
• Communicate with all key stakeholders to gather input, ensure alignment, and manage large scale changes across the enterprise.
• Manage vendor relationships and contract negotiations.
• Partner with finance to set pricing strategy and profitability targets for products.
• De-risk Investments by assessing feasibility, viability, and desirability of ideas.
• Drive customer discovery process in partnership with CX.
• Develop reporting to continuous monitor results and adapt product to market and customer need.
• Identify and coordinate the resources to execute and deliver.
• Partner with L&D to develop training plans for how to educate employees, and customers.

Treasury Product Manager

Customer Support

• Handle inbound and outbound calls to address customer inquiries and provide support.
• Help customers manage their bank accounts, including balance inquiries, fund transfers, and transaction history.
• Resolve issues related to account discrepancies, unauthorized transactions, and other banking problems.
• Provide information about bank products and services, such as loans, credit cards, and savings accounts.
• Verify customer identity to ensure security and privacy of account information.
• Process service requests like account openings, closures, and changes to account details.
• Offer basic technical support for online banking, mobile app usage, and ATM-related issues.
• Adhere to banking regulations and internal policies to ensure compliance and maintain customer trust.
• Gather customer feedback to improve services and enhance customer satisfaction.
• Maintain accurate and detailed records of customer interactions and transactions.

Senior Specialist, Customer Care – Credit Card

Director

• Lead, manage and grow assigned team of technology resources supporting Digital Commercial Banking
• Mentor, develop, and guide engineering teams in the alignment and adoption of CoE practices
• Establish a collaborative work environment that fosters autonomy, transparency, innovation, and personal growth fostering a fail fast and learn fast environment
• Work closely with the team’s Program Manager, Scrum Master and Product Owners to mitigate risk and remove impediments in order to meet project delivery dates
• Collaborate with leaders across IT and the Business to manage portfolios of work aligned to our Strategic Imperatives
• Actively manage costs, to include forecasts, projections and support of the overall IT budgeting process
• Lead staff in understanding metrics around system uptime and identify systems needing enhanced focus for improvement
• Act as technical lead and escalation point for technical teams, internal/external customers, and vendors
• Seek and capitalize upon opportunities to increase customer satisfaction and deepen relationships through transparent communication and the building of trust
• Work with technology vendors to implement application upgrades and new technology solutions
• Own vendor management for applications under your direction, including negotiating Statements of Work, tracking vendor billing, playing an active role in maintenance renewals and holding vendors accountable
• Ensure applications remain compliant according to banking regulations and security policy
• Continually improve teams through attracting, retaining, developing, & organizing our talent and capabilities
• Maintain up-to-date knowledge of the latest and greatest technologies, tools, methodologies, and frameworks for software engineering and engineering management

Director of Technology, Commercial Digital Banking

Financial Planning and Analysis

• Develop, refine, and execute the financial strategy of the Bank in alignment with overall organizational goals.
• Provide strategic financial insights and recommendations to senior leadership.
• Collaborate with the CFO to ensure financial strategies comply with regulatory requirements and industry best practices.
• Complete comprehensive budgets and forecasts for assigned business units in alignment with the long-term strategy of the Bank.
• Oversee the preparation and distribution of accurate and timely financial reports, including income statements, balance sheets, and key performance indicators.
• Implement and maintain robust financial reporting systems to provide actionable insights to senior management.
• Collaborate with various departments to gather relevant financial data and ensure accuracy in reporting.
• Develop and implement key performance indicators (KPIs) to measure and evaluate the financial performance of the Bank.
• Work closely with department heads to analyze performance metrics and identify opportunities for improvement.
• Drive initiatives to enhance operational efficiency, cost-effectiveness, and overall financial performance.
• Collaborate with risk management teams to assess and mitigate financial risks.
• Stay abreast of regulatory changes and industry trends affecting financial risk, and ensure the Bank's financial strategies are adaptive and compliant.

Director, Wealth & Financial Planning

QA Automation Engineer

• Apply Quality Engineering principles throughout the Agile lifecycle
• Lead and Drive ‘Quality / Automation as a Team Mindset’ within the team
• Exhibit domain knowledge and product expertise for supported applications
• Decompose stories/business requirements into test cases that clearly articulate test objectives, steps, and expected results
• Estimate, prioritize, plan, coordinate/perform and document results of test execution
• Report, track, and retest defects/bugs prior to release
• Participate in and conduct regular test case peer reviews and automation code reviews
• Lead and collaborate with their delivery team to build automated testing into the CI/CD pipeline
• Analyze and understand the current technology architecture, system interdependencies and application stacks
• Lead by example in exhibiting initiative for self-learning of new technical skills and tools
• Drive consistent improvement and knowledge sharing principles across the team
• Lead automation strategies/solutions and projects within team and across discipline
• Evaluate and propose use of new tools for continuous improvement and driving automation strategies forward
• Experience building, testing, deploying, monitoring, and maintaining effective test automation solutions
• Setting up and maintaining CI/CD pipelines
• Setting up and maintaining Automation Frameworks
• Mentors’ others in test automation, programming, and QA best practices
• Works independently researching, solving, and programming complex automation solutions

Senior Automation Engineer – Hybrid Onsite

• Serve ultra-affluent clients and prospects
• Advise, guide and deliver long-term planning and investment advice
• Collaborate with Trust, Planning and Investment teams
• Provide personalized education, advice, guidance and solutions
• Drive new client acquisition through targeted prospecting
• Maintain a robust pipeline of qualified leads
• Exhibit professional behavior and promote positive working relationships

Director, Private Wealth Advisor

Security Engineer

• Lead and execute penetration testing of APIs, web applications, and internal/external systems
• Coordinate penetration testing activities with application/system owners and guide issue resolution
• Act as a subject matter expert on offensive security and secure design for enterprise projects
• Contribute to operating system hardening standards and secure configuration guidelines
• Manage vulnerability management activities and ensure remediation efforts are effective
• Evaluate and advise on new technologies for secure enterprise adoption
• Provide consulting and training to business and technical teams on reducing security risks
• Partner with regulators and internal auditors on compliance reporting and assessments
• Monitor and scan systems for compliance with security standards, remediating gaps as needed
• Recommend process improvements to strengthen the enterprise security posture

Senior Analyst, Information Security

Salesforce Administrator

• The Systems Administrator is responsible for the end-to-end management of designated systems applications and their supporting infrastructure.
• This role combines technical expertise with business acumen to ensure optimal system performance, reliability, and continuous improvement.
• The specialist works collaboratively with stakeholders to implement enhancements, provide technical support, and develop reporting solutions that meet business objectives.
• Maintain, install and configure system application and supporting infrastructure to meet business objectives.
• Monitor, patch and deploy changes on the application and supporting infrastructure.
• Testing application functions and upgrades.
• Performance, reliability, and maintenance of assigned application(s) including completion of upgrades and implementations.
• Work closely with capability owners, business units, and third-party vendors to support system enhancements.
• Provide input into the application roadmap for further improvement and development.
• Analyze new data requests and create recommendations for the development of new system reports/dashboards.

Analyst I, Commercial Credit Analysis

Senior Specialist, Credit Card Operations

Commercial Real Estate Credit Analyst II

Analyst I, Commercial Credit Analysis

Part Time Teller, Bilingual Preferred

AWS Software Engineer – Greenfield Development

Treasury Product Manager

Senior Specialist, Customer Care – Credit Card

Director of Technology, Commercial Digital Banking

Director, Wealth & Financial Planning

Senior Automation Engineer – Hybrid Onsite

Director, Private Wealth Advisor

Senior Analyst, Information Security

Salesforce Administrator

Bilingual Customer Care Senior Specialist, Credit Card