FNBO

• Responsible for creating, maintaining, and monitoring the credit risk strategies for Unsecured Installment loans of FNBO • Completing analytical work to determine best in class credit strategies • Moving projects forward through compliance and business review and approval • Managing sound UAT testing and creative problem solving for managing risk while maximizing partner and customer experience • Managing the unsecured loans business within the approved risk appetite • Developing, obtaining approval, implementing, and managing credit strategies for unsecured installment loan products • Independently evaluating and analyzing ongoing performance of portfolio/partners • Understanding of root cause for performance, and effectively managing improvement for underperformance and maximization for high performance • Clear communication of complex analysis and strategy recommendations • Strong collaboration with cross functional stakeholders to move the unsecured installment loan business forward • Working closely with the Product, Technology and Business teams to ensure no issues with quality and or compliance of credit strategies • Supporting on-going internal and external audits by maintaining strong documentation

• Investigates and resolves consumer credit bureau disputes in compliance with the Fair Credit Reporting Act (FCRA) • Processes disputes through the e-OSCAR system within strict regulatory timeframes (30-45 days) • Conducts thorough investigations, determines credit reporting accuracy, and coordinates corrections with credit bureaus • Maintains quality assurance standards and passes required compliance testing with 80% or higher • Works independently to process ACDV (Automated Consumer Dispute Verification) and direct dispute requests • Collaborates with customers, credit bureaus, and internal partners on dispute resolution • Performs thorough account research and verifies credit reporting accuracy • Documents all dispute investigations and resolutions in required systems including TBS, e-OSCAR, and First Work • Meets quality assurance standards through monthly QA reviews and compliance audits

• Assist Loan Originator with all aspects of the mortgage lending process • Conducting loan applications via telephone and face to face • Preparation of disclosures, including Good Faith Estimates • Communication with borrowers, agents, appraisers, underwriters, processors and closers throughout the loan process • Counseling borrowers • Conducting pre-qualifications • Closing loans • Written correspondence with customers • Research, identify and develop networks that enable exposure and opportunities to develop relationships with potential prospects and existing clientele. • Prospect and build new relationships with both inside and outside of the bank while respecting the relationships of the Loan Originator. • Provide sales and administrative support to assigned business office and the mortgage lending group. • Provide input and assist in the development of marketing materials and strategies. • Assist in the development and maintenance of clientele files. • Conduct industry research and recommend the development of new products and services. • Assist in the development and maintenance of reporting metrics on office performance. • Maintain and continuously enhance industry knowledge of specific product & service expertise consistent with chosen area of expertise. • Research, identify and recommend in-depth comprehensive/detailed training and learning opportunities for self and products. • Identify the going forward impacts and opportunities of trends within the industry. • Provide input to and assist in the development of industry related communications. • Demonstrate organizational advocacy through positive teamwork, trust and mutual respect for customers and employees. • Develop and implement initiatives that reinforce the mission, vision and advocacy model of First National Bank of Omaha and align to delivering the ultimate home mortgage experience and aligning to First National’s Operating Philosophy. • Provide an individualized and meaningful quality customer experience by engaging the customer, employees, and communities through accountability and mutual respect, integrity, unity, passion and listening to the needs of the customer and employees. • Seek opportunities and drive development within assigned role - Increasing revenue and reducing expenses. • 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. • If applicable, ensure direct reports meet the above requirements and take action to address employee performance issues. • Exhibit professional behavior and promote positive working relationships. • Complete special projects as assigned within allotted time frames. • Be accountable for continuous best efforts to complete the job assigned. • Exercise a willingness to be a resource to colleagues. • Practice Real Estate Lending values and support the goals and strategic plan. • Be proactive and respectful in all relationships.

• Develop and execute a comprehensive strategy for identifying, engaging, and converting national accounts for all HIL programs and services. • Lead formal evaluations of strategic partnership opportunities, including RFPs, integration proposals, and national partnerships with multi-location organizations. • Effectively leverage internal subject matter experts across the organization to represent company goals, vision, and product strategy to prospective national accounts, including bringing in credit experts, product specialists, and other key stakeholders when appropriate for client meetings and presentations • Manage complex sales cycles ranging from 6-12 months, demonstrating patience and strategic persistence • Orchestrate collaboration between internal support teams and business partners to develop customized solutions highlighting FNBO's advanced marketing tools, digital functionality, integration capabilities, and customer solutions. • Design and deliver sophisticated presentations, proposals, and pitches that demonstrate clear value proposition and ROI for national account partners. • Collaborate with key stakeholders to develop onboarding strategies for national accounts, ensuring seamless transition into relationship management. • Oversee the complete national partner onboarding process, including complex documentation, multi-level training, and systems integration. • Identify and champion innovative financing solutions that address evolving market needs and differentiate FNBO in the competitive home improvement lending space. • Maintain comprehensive knowledge of industry trends, competitive landscape, and emerging opportunities to position FNBO as a market leader in the HIL space. • Collaborate with Product and Business teams to develop premium products, competitive pricing models, and enhanced customer experience for national account partners. • Conduct high-level meetings with C-suite executives and key decision makers at national contractors. • Represent FNBO at major national conferences, trade shows, and industry events to build brand presence and cultivate senior level connections. • Lead competitive intelligence initiatives to ensure FNBO maintains a distinctive market position. • Work strategically with cross-functional stakeholders to: Align national account strategies with Risk Appetite and Credit Risk frameworks. Partner with Finance on sophisticated profitability models and enhanced return metrics for national accounts. Collaborate with key stakeholders to enhance customized onboarding processes for complex programs. • Travel: This role requires approximately 25-35% travel to meet with national accounts, attend industry events, and conduct face-to-face meetings with key stakeholders.

• Develop a proactive pipeline for identifying, reaching, and engaging key contacts at target companies for all HIL programs and services. • Participate in formal and informal evaluation of partner opportunities, including RFPs, integration into existing partnerships, new strategic opportunities, etc. • Understand and being able to communicate the company goals, vision, and product strategy. • Collaborate with internal support teams and business partners to cumulate and shape relevant development content showcasing FNBO’s set of marketing tools, digital functionality and integration and customer solutions that would appeal to prospective partners. • Develop top notch presentations, proposals, and pitches that are innovative. • Work with business team to onboard new partner relationships transitioning them into relationship management. • Help facilitate the new partner onboarding process including ensuring completion of training and documentation. • Maintain a knowledge and understanding of the competitive environment and recommend changes to strategy to ensure competitiveness in the industry. • Call on key contacts and source new leads. • Attend conferences, trade shows, and other industry specific venues to enhance the pipeline. • Stay attuned to emerging technologies and competitors to ensure our competitive edge. • Work with cross functional key stakeholders to understand our Risk Appetite and Credit Risk posture.

• Responsible for implementing, administering, monitoring and troubleshooting HPE NonStop infrastructure systems. • Ability to demonstrate expertise in architecture, performance optimization, security best practices and maintenance practices for critical systems. • Work closely with team members, software & hardware vendors and end-users to collaboratively design technical solutions that meet business needs. • Serve as a technical resource regarding implementation and optimization of complex server-based configurations. • Provide expertise in various infrastructure platforms that include storage management, disaster recovery systems architecture, patch management and backup and recovery. • Responsible for configuration, installation, maintenance and administration of HPE NonStop hardware and related devices and software. • Provide expertise to critical production issues and hands-on support when work volume dictates. • Accountable for administration of the organization’s backup, disaster recovery systems, and processes. • Responsible for design, configuration, maintenance and administration of the organization’s security patching systems.