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At FNBO, our employees are the heart of our story—and we’re committed to their success! Please see below the details of this career opportunity and how it fits into our organization’s success.

Summary of the Job:

Perform credit analysis and underwriting on Commercial Credit Card applications, including financial analysis; Decision large Commercial Card applications using established and sound credit practices and in accordance with applicable policies, laws and regulations; Prepare loan memorandums, risk rating matrices, and financial analysis; Provide an exceptional customer experience to internal and external customers.

About This Role:

1. Perform all underwriting functions in accordance with established policies, laws, and regulations

2. Ensure credit analysis, loan memorandums, and related documentation are completed accurately and timely

3. Provide an exceptional customer experience to internal and external customers

4. Understand and comply with bank policies and applicable laws and regulations including the Bank's BSA/AML program

5. Exhibit professional behavior, promote positive working relationships, and maintain regular and predictable attendance

The Ideal Candidate for This Role:

1. Bachelor's degree or equivalent work experience

2. One year credit underwriting or related experience, preferably in Commercial Lending

3. Ability to multi-task while adhering to timetables for completion

4. Excellent written and verbal communication skills

5. Working knowledge of applicable compliance regulations including (but not limited to) FCRA, CRA, HMDA, and BSA

Additional Qualifications:

1. Preferably, a working knowledge of Microsoft Office suite of products

2. Preferably, a working knowledge of Optimist, First Impressions, TBS and First Work

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

Compensation:

Compensation range (base pay): $46,679.00-$77,020.00

_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 in a hybrid capacity, balancing in-person collaboration three (3) days a week with remote flexibility two (2) days a week. As part of our team, you'll experience the energy and relationship-building of face-to-face collaboration while still enjoying the flexibility of remote workdays. We provide the tools and technology to ensure seamless transitions between work environments, supporting your productivity wherever you are. 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: https://www.fnbo.com/careers/benefits/ .

For additional information regarding compensation and benefits, e-mail FNBO at [email protected] . To ensure you receive a response, include the number of this job (listed below) in the subject line of your message.

Job number: R-20251021

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 selves—no matter their role or where they are in their journey.

Learn more here. (https://www.fnbo.com/careers/belonging)

FNBO is an equal opportunity employer for all employees and applicants and makes employment decisions without regard to status or identity.

Click here (https://www.firstnational.com/common/communications/hr/assets/documents/hr/eeo\_poster.pdf) to download **'EEO is The Law' Self-Print Poster**

Click here (https://www.firstnational.com/common/communications/hr/assets/documents/hr/eeo\_poster\_federal\_contractors.pdf) to download **'EEO is The Law' Supplement for Federal Contractors**

Click here (https://www.firstnational.com/common/communications/hr/assets/documents/hr/eeo\_poster\_gina\_supplement.pdf) 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.