Credit Risk AI Enablement

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

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. About This Role:

What You'll Do: 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 buil...