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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:

This position is accountable to make and receive complex calls to customers who have become delinquent and lead collections for various products with past due or charged-off loans, line of credit and overdrawn deposit accounts to resolve delinquency while adhering to department and regulatory guidelines. This role will work closely and collaboratively with market personnel to resolve delinquency. This person is expected to have effective conversations with our Diversified Financial Service Division customers to uncover the reason for delinquency and provide appropriate solutions to cure the delinquency while remaining in control of the call and providing a superior customer experience.

About This Role:

+ Make outbound calls to customers.

+ Negotiate customer payment options to cure complex delinquency.

+ Document _I_ effectuate _I_ monitor formalized payment plans.

+ Receive and manage inbound customer calls for all products and markets for Diversified Financial Service Division customers.

+ Provide administrative expertise and support for account management, risk management, compliance, regulatory and audit with adherence to department policies and procedures and state and federal regulations.

+ Locates asset and current address information to assist litigation efforts (skip tracing).

+ Understands and adheres to all DFS policies, laws, and regulations applicable to the role.

+ Work with attorneys and law firms to manage accounts through legal processes such as foreclosure/repossession and compile, execute and review all information/documents needed for court proceedings.

+ Process UCC’s including amendments, continuations, requesting/obtaining driver’s licenses, terminations, lien searches and partial releases and then document UCC information in InfoLease or Rapport, scanning any necessary copies into Sentry File for future use or retrieval.

+ Secure and maintain adequate proof of physical damage insurance for financed equipment and proof of liability coverage on designated leases.

+ Locates and prepares accounts that need 1099’s filed.

+ Enforces all lease, loan, and guaranty provisions in a timely and professional manner.

The Ideal Candidate for This Role:

+ Collections experience and/or customer service of banking products.

+ Strong negotiation, problem solving and conflict resolution skills.

+ Complete special projects relating to Collections as assigned, within allotted time frames and be accountable for continuous best efforts in such projects.

+ Compliance: Understand and comply with bank policy, laws, regulations, and the bank's BSA/AML Program, as applicable to your job duties.

+ Complete compliance training and adhere to internal procedures and controls, as required. Report any known violations of compliance policy, laws, or regulations. Report any suspicious customer and/or account activity.

+ Professionalism/Attendance: Exhibit professional behavior and promote positive working relationships. Maintain regular and predictable attendance in alignment with departmental/divisional policy.

+ Adapt positively in a constantly changing and regulatory driven environment.

+ Ability to work independently and in a small team environment.

+ Working knowledge of Microsoft Office products.

+ High School Graduate/GED

+ Understanding of collection procedures.

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

Compensation:

Compensation range (base pay): $36,720.00-$58,752.00

_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, you'll 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: 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-20251575

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.