Associate II, Financial Institutions

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: As a member of the Financial Institutions team, this role will drive several distinct areas within the growing Financial Institutions group. They will influence and build the scaffolding of the business infrastructure for large, complex syndicated loans. This role will equip the business with a playbook to successfully ensure the business establishes guardrails and guidelines in its syndicated lending activities. They will own and orchestrate the end-to-end closing cycle through ensuring readiness across internal and external parties and be responsible for transaction execution. They will troubleshoot complex problems and resolve syndicated loan issues across upstream and downstream clients. This role will also be the subject matter expert on how to continuously improve the documentation and processes to standardize and improve how the work gets done by arranging, closing, and servicing FNBO’s participated and syndicated credit facilities. Success in this role requires a strong command of legal frameworks, financial underwriting, and loan operations, paired with the ability to build effective working relationships with both internal stakeholders and external bank partners. About This Role: 1. Serve as an end-to-end owner of the syndication and participation process for large, complex multi-bank credit facilities. This role will manage the confidential information memorandums (CIMs), term sheets, and approval materials, while orchestrating in-person bank group meetings and coordinating multi-bank loan closings from initiation through execution. Beyond transaction management, this role actively monitors deal pipelines and timelines, troubleshoots complex issues across upstream and downstream banks, and serves as a subject matter expert in continuously improving the documentation, processes, and operational standards that govern how syndicated and participated credit facilities are arranged, closed, and serviced. 2. Develop and maintain comprehensive policy and procedural documentation of best practices for efficient and accurate syndicated lending activities, translating complex workflows, system requirements and transaction processes into clear accurate, and actionable procedures, guides, and reference materials. This role will influence the policy and procedures of FNBO’s multi-bank (upstream and downstream) relationships. 3. Recommend continuous improvement opportunities for effective syndicated lending processes by analyzing current workflows, identifying gaps and opportunities for standardization, documenting improved processes and partnering with stakeholders to implement sustainable solutions. Utilize data to understand customer relationships to gain insight on how to serve them better. 4. Serve as a subject-matter middle office client service resource to diagnose, investigate, and resolve issues across the syndicated loan life cycle partnering closely with multiple internal enterprise teams (relationship managers, credit, loan servicing teams) and external partners (legal firms) providing guidance using knowledge of loan structures, transaction terms, processes, and downstream impacts to recommend appropriate solutions. 5. Apply specialized knowledge and system expertise of nCino, Precision Lender, Foundation, and SMK to prepare, execute, and validate complex loan transactions including working with RMs on running loan pricing, funding wires, loan memos and related documentation, ensuring accuracy, completeness and adherence to established requirements for Financial Institutions’ clients. 6. Own, orchestrate, and deliver an end-to-end syndicated deals closing process to ensure all internal and external stakeholders are prepared with all transaction requirements using specialized lending knowledge, system expertise and judgment to execute a series of complex interdependent activities. Ensure closing readiness in advance of transaction execution by anticipating requirements, identifying dependencies and gaps, coordinating responsible parties to ensure all critical details are accurately captured, validated, and completed across multiple platforms. This will include the execution of signatures, letters of commitment, opinion letters, funding requirements and other closing documentation necessary to successfully close. Attention to detail is critical due to the scale of these relationships. Responsible for data room management and coordination of document collection with RMs to be shared with bank partners in a timely manner. The Ideal Candidate for This Role: Key Skills: Technical & System Knowledge Proficiency in nCino, Precision Lender, and Foundation for loan transaction execution and validation Working knowledge of Salesforce and other internal platforms (Ivy, SMK) Ability to adapt to evolving technology Manage data rooms and coordinate document collection across multiple platforms Understanding of loan pricing, funding wires, loan memos, and closing documentation Syndicated Lending Expertise Strong grasp of syndicated and participated credit structures and lifecycles Familiarity with confidential information memorandums (CIMs), term sheets, and bank approval materials Understanding of legal frameworks governing multi-bank lending Knowledge of financial underwriting principles and credit analysis Process & Operations Ability to document complex workflows into clear, actionable procedures Experience identifying gaps and inefficiencies and driving standardization Skill in closing readiness — anticipating requirements, tracking dependencies, and coordinating across parties Comfort managing multiple deals simultaneously with competing timelines Proactively identify areas for improvement Relationship & Communication Skills Confident communicating with external financial institution partners, legal firms Ability to communicate and collaborate across internal teams — credit, loan operations, relationship managers, and other business units as needed Skilled at escalating issues appropriately while maintaining stakeholder confidence Strong presence in bank group meetings and multi-party coordination settings Analytical & Problem-Solving Ability Capacity to diagnose and resolve complex issues across the syndicated loan lifecycle Ability to use data and customer insights to improve service and relationship management Comfortable making judgment calls on downstream impacts of transaction decisions Attention to Detail & Compliance Exceptional accuracy in handling large, high-value transactions Disciplined in managing confidential financial information Thoroughness in capturing and validating signatures, commitment letters, opinion letters, and funding requirements Minimum Qualifications: Education: Bachelor’s degree in finance, Business, Economics, related field or sufficient applicable experience Credit training or certifications (beneficial but not required) Required Experience: 2-4 years in commercial banking, credit analysis, or loan operations Exposure to syndications, participations, or multi-bank facilities either directly or adjacent experience Demonstrated ability with deal coordination or transaction management to manage deal closings end-to-end Experience in cross-functional collaboration working across credit, legal, operations, and relationship management teams Involvement and participation in identifying inefficiencies and implementing solutions for continuous improvement Preferred Skills: Technical system proficiency – nCino, Precision Lender, Foundation, and Salesforce (or comparable loan / CRM platforms) Documentation and procedural writing – ability to translate complex workflows into clear, accurate guides Data analysis and interpretation – using data to identify trends, gaps, and relationship insights Multi-stakeholder coordination – managing competing priorities across internal and external parties simultaneously. Written and verbal communication – producing professional materials such as CIMs, term sheets, and procedural documentation Problem diagnosis and resolution – investigating and resolving complex issues across the loan lifecycle with sound judgment Confidentiality – requires the discreet handling of customer financial information Candidates must possess unrestricted work authorization and not require future sponsorship. Compensation: Compensation range (base pay): $63,288.00-$104,425.00 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-20261468 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. FNBO is an equal opportunity employer for all employees and applicants and makes employment decisions without regard to status or identity. Click here to download 'EEO is The Law' Self-Print Poster Click here to download 'EEO is The Law' Supplement for Federal Contractors Click here 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.