Credit Risk AI Enablement

About the role

FNBO is seeking an exceptional technical change agent to architect the future of our retail consumer and small business underwriting framework for loans and lines under $1MM. This isn't a role for someone who simply implements what others design. This is for the rare professional who sees a manual process and instinctively envisions the elegant automation that could replace it—then makes it happen. You'll work at the nexus of credit expertise and cutting-edge technology, wielding AI tools and automation platforms to challenge every assumption, question every manual touchpoint, and relentlessly pursue operational excellence.

Responsibilities

• Reimagine Credit Strategy Through Automation (20%)
  • Deconstruct and redesign credit underwriting processes for consumer retail and small business loans/lines under $1MM with automation as the goal
  • Identify opportunities where AI and machine learning can enhance credit decisions while managing risk
  • Challenge legacy thinking: "We've always done it this way" is not in your vocabulary
  • Drive technology vision & implementation (50%)
    • Partner with IT and business teams to translate credit requirements into technical specifications for automated underwriting systems
    • Build compelling business cases for technology investments that balance innovation with pragmatic ROI
    • Design sophisticated workflow automation with intelligent exception handling—because not everything fits the algorithm
    • Define business requirements and integrate specifications that enable seamless automation
    • Leverage FNBO's AI toolkit to prototype, test, and scale solutions rapidly
  • Lead Cross-Functional Transformation (20%)
    • Navigate the complex organizational landscape to build coalitions and secure buy-in across FNBO functions
    • Present recommendations to C-level executives with clarity, confidence, and data-driven insights
    • Orchestrate project timelines and deliverables across multiple stakeholders who don't report to you
    • Drive change management efforts, recognizing that implementing technology is simple compared to transforming mindsets and behaviors
  • Continuous Innovation (10%)
    • Stay ahead of emerging AI capabilities and credit technology trends
    • Experiment with new tools and approaches in FNBO's environment
    • Build a culture of "test and learn" rather than "plan and perfect"

Requirements

• Technical Acumen
  • Hands-on experience with AI/ML tools, automation platforms, or workflow technologies
  • Comfort with data analysis, SQL, Python, or similar tools
  • Understanding of API integrations, data pipelines, and system architecture concepts
  • Experience with credit decisioning systems, underwriting platforms, or loan origination systems is a significant plus
• Change Leadership
  • Exceptional communication skills
  • Ability to explain complex technical concepts to credit officers and credit nuances to engineers
  • Proven ability to present to and influence C-level executives
  • Track record of driving changes in environments where you lead through influence, not authority
  • Resilience and optimism in the face of organizational resistance

Qualifications

• Intellectual restlessness—energized by problems that don't have obvious solutions
• Bias toward action—would rather build a prototype than write another requirements document
• Collaborative spirit—enjoys working with diverse teams and perspectives
• Growth mindset—sees failures as learning opportunities and iteration as progress

Skills

• Technical skills: AI/ML tools, automation platforms, workflow technologies
• Data analysis, SQL, Python, API integrations, data pipelines, system architecture concepts
• Experience with credit decisioning systems, underwriting platforms, or loan origination systems
• Communication skills: explaining complex technical concepts, presenting to C-level executives
• Leadership skills: driving changes, resilience, optimism

Benefits

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
• Tuition Assistance
• Short-Term/Long-Term Disability Insurance

Learn more about FNBO benefits here: https://www.fnbo.com/careers/benefits/