F

FNBO

Regional bank offering diverse financial products

Trust Officer

Full-Time
$107.6k - $182.8k/yr
Senior
Bachelor's, MBA, JD
Kansas City, MO, USA
In PersonThe role is expected to be performed onsite; the work location may change based on business needs.
No H1B Sponsorship

About the job

Requirements
  • A Bachelor's degree in Business Administration or a related field.
  • At least 5 years of experience in the trust, investment, or financial services industry.
  • Successful relationship management experience.
  • Ability to provide complex advice and guidance to customers while adhering to fiduciary standards.
  • Ability to work collaboratively within a team environment.
  • Strong knowledge of the finance industry and the local, state, national, and global economy.
  • Ability to listen attentively to customer needs to deliver comprehensive solutions.
  • Confident customer and prospect communication, including exceptional verbal and written communication, presentations, and recommendations.
  • Understanding of and contribution to the intended helpful, easy, and personal customer experience.
  • Unrestricted work authorization without requiring future sponsorship.
Responsibilities
  • Manage and administer trust relationships and proactively perform investment or market analysis with an investment portfolio manager.
  • Develop, interpret, communicate, and facilitate complex trust and estate planning matters as part of advice-based customer solutions.
  • Exercise discretion in the best interests of beneficiaries and execute the terms of estate plans or documents for which FNBO serves as Trustee, Personal Representative, Conservator, or Guardian.
  • Balance FNBO's business risk with client interests, including approving fiduciary-fund disbursements, resolving client issues, and collaborating with clients to achieve their goals.
  • Maintain knowledge of trends and changes in fiduciary matters, including estate planning, probate, estate, gift and income tax planning, guardianships, special needs trusts, and state-specific laws.
  • Manage regulatory and fiduciary risk for assigned accounts in accordance with applicable regulations and state laws.
  • Prepare complete transaction documentation and obtain appropriate approvals.
  • Monitor and validate daily account transactions.
  • Monitor account portfolios and notify portfolio managers and relationship managers about cash requirements and future distribution needs.
  • Process discretionary distribution requests by preparing documentation and obtaining approvals.
  • Serve as Relationship Manager and trusted advisor for assigned accounts by maintaining proactive relationships with clients, beneficiaries, and their families.
  • Anticipate and identify client needs and coordinate internal and external partnerships to address them.
  • Retain the client base and deliver high service and client-contact standards.
  • Monitor service levels and fee revenue and assess additional fees for extraordinary services to ensure trust-relationship profitability.
  • Collaborate with clients' attorneys and accountants to develop and implement comprehensive wealth plans.
Desired Qualifications
  • An MBA degree.
  • A Juris Doctor degree.
  • Certifications or accreditations such as Chartered Retirement Planning Counselor, Certified Financial Planner, Certified Public Accountant, Chartered Financial Analyst, Chartered Wealth Strategist, Certified Trust and Financial Advisor, or Certified Financial Manager.

About the company

FNBO operates as a regional bank serving consumers and businesses across eight states, with more than 6.6 million customers. Its products include checking and savings accounts, mortgages, personal and business loans, credit cards, wealth management, and digital banking tools, accessed via branches, ATMs, and online platforms. The company differentiates itself through a long history of customer service, a broad geographic footprint, and a diversified product lineup supported by nearly $30 billion in assets and thousands of employees. Its goal is to provide reliable, accessible financial solutions that help people and businesses manage money, grow assets, and plan for the future.

Company Size

1,001-5,000

Company Stage

N/A

Total Funding

N/A

Headquarters

Omaha, Nebraska

Founded

1857

Get referred to FNBO

See people who can refer or advise you

Simplify Jobs

Simplify's Take

What believers are saying

  • September 2026 InBank acquisition adds Denver, Colorado Springs, and northern New Mexico branches.
  • June 2026 Blue Ridge deal and August Kansas City openings widen FNBO's regional reach.
  • September 2026 Complete Rewards Visa launches new fee-free travel and streaming acquisition.

What critics are saying

  • InBank and Blue Ridge approvals can stall, delaying 2027 branch conversion and integration.
  • CFPB complaints in 2026 highlight recurring servicing friction around payments, rewards, and refunds.
  • Acquisition-heavy expansion strains systems and credit oversight; one bad portfolio integration damages earnings.

What makes FNBO unique

  • First National of Nebraska owns FNBO, keeping long-term control and capital discipline.
  • FNBO combines 170-year heritage with 140 branches across eight Mountain Midwest states.
  • FNBO remains a major agribusiness lender, giving it specialized commercial relationships.

Help us improve and share your feedback! Did you find this helpful?

Benefits

Health Insurance

Dental Insurance

Vision Insurance

401(k) Retirement Plan

401(k) Company Match

Health Savings Account/Flexible Spending Account

Unlimited Paid Time Off

Paid Vacation

Short-Term/Long-Term Disability Insurance

Tuition Assistance

Company News

Silicon Prairie News
Sep 25th, 2026
Open Range shares latest Techstars cohort and a new partnership with First National Bank of Omaha.

Open Range shares latest Techstars cohort and a new partnership with First National Bank of Omaha. The Omaha-based nonprofit supports the startup hubs of Greater Omaha and Lincoln. It has recently announced the cohort members representing Nebraska for the Techstars Founder Catalyst Global Fall 2026 Program. This comes as Open Range partners with FNBO to create future opportunities for startups. September 25, 2026 Open Range is a Nebraska-based nonprofit created to bridge and boost the startup hubs of Greater Omaha and Lincoln. The organization recently announced its latest founder cohort with Techstars and a new partnership with First National Bank of Omaha to develop programming for entrepreneurs. Techstars is a global startup accelerator and professional network. Open Range was a key force in bringing Techstars to Omaha and has been the organizing entity behind finding Nebraska applicants and assisting them with joining the Techstars Founder Catalyst pre-accelerator. Two cohorts have already occurred, with the first in the fall of 2025 and the second earlier this spring. The latest group is participating in the Techstars Founder Catalyst Global Fall 2026 Program, which lasts 10 weeks and consists of expert-led workshops and mentorship. * Enzo Clean: Sells hygiene and cleaning products for athletes and their equipment. Led by Tamio Stehrenberger. * Etholytics: Offers machine learning technology centered on the monitoring and data collection of animal behavior. Led by Haley Beer. * mNemo Automation: Builds secure artificial intelligence, custom apps and estate systems for homes and properties. Led by Jeremiah Jorgensen. * Moonlit AI: Provides small businesses and marketing teams with data insights from analyzing their websites. The goal is to improve website functionality and customer experience. Led by Ashley Scalia. * U-GoTrip: Helps travelers and their families plan and customize road trips on the go based on their wants and needs. Led by Ugo Okolo. This cohort reveal comes as Open Range announces its official partnership with FNBO, which touts itself as one of the largest privately held banks in the U.S. and the largest bank in the state. According to the company, it has $35 billion in assets and is one of the largest agribusiness lenders in the country. Open Range CEO Laurel Oetken said Open Range and FNBO are still in the works of figuring out specific programming to offer founders. However, she said FNBO was interested in appearing at community events, getting acquainted with entrepreneurs and their needs and helping them network and consider different financial pathways for funding their ventures. Laurel said she also envisions opportunities for FNBO to offer insights to startups dabbling in the fintech space. "We are excited to work alongside Open Range to help build the startup infrastructure that will support Nebraska's next generation of entrepreneurs," said Marc Butterfield, senior vice president of product and innovation at FNBO. "Strong founders create strong communities, and we are proud to play a role in that journey." FNBO is currently listed as a sponsor of the upcoming Startup Week scheduled for Nov. 16-21. Additional sponsors listed the Greater Omaha Chamber, Lincoln Chamber of Commerce and Invest Nebraska. Startup Week is a week-long celebration of the Nebraska entrepreneurial ecosystem, targeting founders, investors, students, stakeholders and those curious about the startup scene. Open Range acquired Startup Week from SPN at the same time Omaha 100 acquired the publication earlier this summer. Open Range Program and Events Manager Jocelyn Stange said the timing of Startup Week this year worked out to coincide with both local and international festivities. In addition to showcases of both the latest Techstars cohort and NMotion Accelerator Fall 2026 cohort, Global Entrepreneurship Week and Women's Entrepreneurship Day will be taking place.

Doctor of Credit
Sep 2nd, 2026
FNBO launches 'Complete Rewards(R) Visa Signature(R) Card' - $150 bonus & 5x on travel with No annual fee.

FNBO launches 'Complete Rewards(R) Visa Signature(R) Card' - $150 bonus & 5x on travel with No annual fee. September 2, 2026 FNBO has launched a new credit card called Complete Rewards(R) Visa Signature(R) Card. Card offers the following: * Sign up bonus of 15,000 points after $500 in spend within the first three billing cycles * No annual fee * 3% FTF * Card earns at the following rates: * 5x points per $1 spent on travel purchases * 3x points per $1 spent on streaming services * 2x points per $1 spent on fuel purchases * 1x point per $1 spent on all other purchases Not sure if you can cash out at 1¢ per point as statement credit or that is just for gift card redemptions. Card would be a lot more interesting with a higher sign up bonus. Doctor of Credit won't be adding this to its list of the best credit card bonuses, but Doctor of Credit will add it to the new credit cards of 2026 post.

The Middle Market
Sep 2nd, 2026
First National of Nebraska Buys InBankshares for $204M

First National of Nebraska Buys InBankshares for $204M. First National of Nebraska and its subsidiary FNBO (First National Bank of Omaha) have agreed to acquire Denver-based InBankshares Corp. and its wholly owned subsidiary, InBank, in an all-cash transaction. InBankshares estimates its common stockholders will receive total consideration of $200 million to $204 million, although the final amount will depend on factors including tangible equity at closing and any special dividend paid immediately beforehand. InBank's conversion and branch rebranding to FNBO are expected in the second half of 2027. InBank is an independent community bank with $1.4 billion in assets that provides commercial, business and personal banking services. The acquisition will add nine Colorado branches along the Front Range, establishing new FNBO locations in Denver, Colorado Springs and southern Colorado. Combined with FNBO's 21 existing branches in northern Colorado, including Fort Collins, Boulder, Greeley and Loveland, the deal will expand FNBO's Colorado network to 30 branches. FNBO will also gain four InBank branches in northern New Mexico. KKR Reportedly Acquires A1 Garage Door Service for $2B The company operates in the home services market, where private equity firms have increasingly pursued businesses that can serve as platforms for consolidation. To read the entire story, you must be logged in. Rotunda-Backed Trafera Buys Morris Electronics Morris Electronics designs, implements and supports technology services for state and local government agencies and businesses. To read the entire story, you must be logged in. Wynnchurch-Backed Trimlite Acquires KW Building Products KW Building Products is a distributor serving independent and national pro dealers across the mid-south and central United States. To read the entire story, you must be logged in. Align Capital Partners Purchases Trident Solutions Trident serves more than 1,700 customers with products used to locate and protect critical infrastructure and other assets. To read the entire story, you must be logged in.

Associated Press
Sep 2nd, 2026
FNBO acquires InBank for up to $204M, expands Colorado footprint to 30 branches

First National of Nebraska's subsidiary FNBO has agreed to acquire Denver-based InBankshares Corp and its subsidiary InBank in a cash transaction. The deal, pending regulatory approval expected by year-end, values InBankshares at between $200 million and $204 million. InBank holds $1.4 billion in assets and operates as an independent community bank offering commercial, business, and personal banking services. The acquisition will significantly expand FNBO's Colorado presence, adding nine InBank branches along the Front Range to its existing 21 northern Colorado locations, creating a 30-branch statewide network. FNBO will also gain four InBank branches in northern New Mexico. InBank's rebranding and customer conversion to FNBO is expected in the second half of 2027. This follows FNBO's June acquisition of Blue Ridge Bank & Trust in Missouri.

Banking Dive
Sep 2nd, 2026
FNBO to acquire Colorado bank in $204M deal.

FNBO to acquire Colorado bank in $204M deal. The Nebraska-based lender said acquiring $1.4 billion-asset InBank will expand its Colorado footprint into the Denver and Colorado Springs markets. Published Sept. 2, 2026 Dive brief: * First National Bank of Omaha has agreed to acquire Denver-based InBankshares Corp. in a cash deal valued at up to $204 million, the companies said Wednesday. * The acquisition of $1.4 billion-asset InBank would boost FNBO's presence in Colorado, adding nine branches in the state and expanding its footprint to Denver, Colorado Springs and southern Colorado, FNBO said in a news release. InBank also has four branches in northern New Mexico. * The companies expect the deal to receive regulatory approval by the end of the year. Dive insight: FNBO has been on an acquisition tear: The InBank deal announcement comes just three months after FNBO said it would buy Independence, Missouri-based Blue Ridge Bancshares, expanding its presence in the Kansas City area by eight branches. And that occurred nine months after FNBO closed its acquisition of Country Club Bank, giving the Nebraska lender 20 Kansas City-area branches. Privately held FNBO is a subsidiary of Omaha-based First National of Nebraska, which has about $35 billion in assets. FNBO has about 140 locations across Colorado, Illinois, Iowa, Kansas, Missouri, Nebraska, South Dakota, Texas and Wyoming, according to the Federal Deposit Insurance Corp. FNBO's Colorado presence already includes 21 branches across the northern part of the state, in Fort Collins, Boulder, Greeley and Loveland. The InBank acquisition will bring the bank's statewide branch count to 30. "InBank is strategically and culturally aligned with FNBO and represents an important step in our thoughtful expansion," Clark Lauritzen, president and chairman of FNBO, said in the release. "Its experienced team, trusted customer relationships and entrepreneurial culture provide a meaningful foundation as we welcome new customers and communities to FNBO." Under the terms of the deal, InBank shareholders can receive a special dividend just before closing, and will receive cash for their InBank shares from First National of Nebraska at closing. The dividend amount and the amount paid for InBank shares will be affected "by several factors," including InBank's tangible equity at closing, the release said. InBank estimates total shareholder consideration for the transaction will range from $200 million to $204 million, with the per-share value ranging from $16.41 per share to $16.74 per share. An investor group acquired International Bank, a 100-year-old community bank in New Mexico, in 2018 and rebranded it to InBank the following year, according to an investor presentation. The bank had about $1.1 billion in deposits and $942.7 million in loans held for investment, as of June 30, according to a second-quarter earnings release. InBank sold three branches in 2025 to "optimize" its footprint, the investor presentation said. "InBank was built with a commitment to delivering highly personalized service, and FNBO shares our belief in authentic relationships, local decision-making and doing what is right for customers and communities," Ed Francis, InBank's founder and CEO, said in the release. "We believe this next chapter will create new opportunities for our customers and associates while carrying forward the values that have shaped InBank." InBank branches will be rebranded as FNBO branches in the second half of 2027, alongside customer conversion, the banks said.