Credit Risk AI Enablement

Summary of the Job

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 of credit 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.

• 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

• 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

• 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

• 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”

• Hands‑on experience with AI/ML tools, automation platforms, or workflow technologies (we want builders, not just strategists)
• Comfort with data analysis, SQL, Python, or similar tools—you don’t need to be a software engineer, but you should speak their language
• 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
• Natural curiosity about how things work

• Exceptional communication skills—you can 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

Intellectual restlessness—you’re energized by problems that don’t have obvious solutions

Bias toward action—you’d rather build a prototype than write another requirements document

Collaborative spirit—you genuinely enjoy working with diverse teams and perspectives

Growth mindset—you see failures as learning opportunities and iteration as progress

In Credit Risk management, the difference between good and great often comes down to speed, consistency, and insight. Manual processes create bottlenecks, introduce variability, and limit our ability to serve customers.

You’ll be the architect of a more intelligent, responsive, and efficient credit operation—one that frees our credit experts to focus on complex decisions while automation handles the routine. The impact of your work will be measured in millions of dollars of efficiency, thousands of improved customer…