Director, Private Banking

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:

 

The Private Banker serves as the primary banking advisor to high net worth households who qualify for FNBO Private Banking with investable assets or deposits. This role delivers relationship centric, banking first expertise across deposits, liquidity, and personal credit solutions for households with complex financial lives.

Private Bankers manage an existing book and consistently generate new qualified households. They collaborate seamlessly with Wealth Advisors (Advisor Led and Team Led), Trust, Commercial Relationship Managers, Credit, Operations, and Private Banking Associates, ensuring a helpful, easy, personal, and frictionless experience aligned with FNBO’s Compass values of integrity, respect, and passion.

About This Role:

 

Primary Responsibilities

Relationship Banking for High‑Net‑Worth Households

• Serve as the primary banking advisor for complex households, including multi‑entity structures such as family LLCs, trusts, and wealth‑transfer arrangements.
• Deliver integrated banking solutions that support liquidity management, borrowing needs, and day‑to‑day financial operations.
• Collaborate in joint meetings with Wealth (Advisor Led and Team Led), Trust, and Commercial partners as appropriate.
• Maintain clear, timely communication and set appropriate expectations for clients and partners.

Deposit & Liquidity Management

• Advise clients on account structures, money movement, overdraft monitoring, and liquidity positioning across household entities.
• Address the needs typical of high‑net‑worth households: large operating accounts, wealth‑transfer accounts, multi‑entity cash flows, and multi‑party access
• Support deposit growth and profitability consistent with FNBO’s funding and pricing methodologies (FTP).
• Identify and resolve operational issues through coordinated work with Private Banking Associates and Operations partners.

Personal Credit Solutions

Private Bankers structure and steward customized personal credit relevant to high‑net‑worth households. Typical credit needs include:

• Personal‑use loans for clients with complex income structures (e.g., K‑1).
• Liquidity bridge loans tied to known future events.
• Second‑home financing or non‑conforming mortgage alternatives.
• Construction financing secured by investment portfolios.
• Investment real estate lending for smaller portfolios within established limits
• Securities‑based lending or credit secured by alternative non‑business assets.

Responsibilities include:

• Structuring credit requests, assessing collateral options, and preparing for Credit
• Exercising delegated lending authority as allowed by Credit Policy.
• Collaborating with Credit to ensure sound underwriting and appropriate monitoring
• Ensuring credit structures do not migrate into business segment, CRE, or individual segment territory.

Portfolio Management & Growth:

• Manage a book of qualified households; deepen relationships through loans, deposits, and banking solutions.
• Generate consistent new growth by prospecting and adding new qualified households
• Maintain proactive engagement with clients to anticipate liquidity needs, life events, and structural changes.
• Monitor portfolio balance amortization and cash movement for opportunities
• Identify and refer opportunities to Wealth (Advisor Led, Team Led, Trust) in alignment with FNBO’s long‑term Private Banking strategy.

Business Development & Community Presence:

• Build Centers of Influence (COIs), including attorneys, CPAs, real estate professionals, and other trusted advisors.
• Represent FNBO at community events and client‑facing functions within the banker’s assigned market.
• Build pipelines and track activity using Salesforce to maintain visibility, discipline, and forecasting accuracy.
• Support growth in all markets where FNBO has presence, without relying on market‑specific distinctions.

Operating Discipline & Systems Orientation:

• Use structured, repeatable processes to reduce variability, minimize errors, and create consistent client experiences.
• Partner with Operations, Product, and Risk to ensure high standards of accuracy, efficiency, and service quality.
• Prioritize system‑based solutions over manual workarounds whenever possibl