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 isnt 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. Youll 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. What Youll Do: Reimagine Credit Strategy Through Automation (20%) 3 Deconstruct and redesign credit underwriting processes for consumer retail and small business loans/lines under $1MM with automation as the goal 3 Identify opportunities where AI and machine learning can enhance credit decisions while managing risk 3 Challenge legacy thinking: "Weve always done it this way" is not in your vocabulary Drive Technology Vision & Implementation (50%) 3 Partner with IT and business teams to translate credit requirements into technical specifications for automated underwriting systems 3 Build compelling business cases for technology investments that balance innovation with pragmatic ROI 3 Design sophisticated workflow automation with intelligent exception handling-because not everything fits the algorithm 3 Define business requirements and integrate specifications that enable seamless automation 3 Leverage FNBOs AI toolkit to prototype, test, and scale solutions rapidly Lead Cross-Functional Transformation (20%) 3 Navigate the complex organizational landscape to build coalitions and secure buy-in across FNBO functions 3 Present recommendations to C-level executives with clarity, confidence, and data-driven insights 3 Orchestrate project timelines and deliverables across multiple stakeholders who dont report to you 3 Drive change management efforts, recognizing that implementing technology is simple compared to transforming mindsets and behaviors Continuous Innovation (10%) 3 Stay ahead of emerging AI capabilities and credit technology trends 3 Experiment with new tools and approaches in FNBOs environment 3 Build a culture of "test and learn" rather than "plan and perfect" The Ideal Candidate for This Role: What Will Make You Successful Technical Acumen: 3 Hands-on experience with AI/ML tools, automation platforms, or workflow technologies (we want builders, not just strategists) 3 Comfort with data analysis, SQL, Python, or similar tools-you dont need to be a software engineer, but you should speak their language 3 Understanding of API integrations, data pipelines, and system architecture concepts 3 Experience with credit decisioning systems, underwriting platforms, or loan origination systems is a significant plus 3 Natural curiosity about how things work Change Leadership: 3 Exceptional communication skills-you can explain complex technical concepts to credit officers and credit nuances to engineers 3 Proven ability to present to and influence C-level executives 3 Track record of driving changes in environments where you lead through influence, not authority 3 Resilience and optimism in the face of organizational resistance The Intangibles Intellectual restlessness-youre energized by problems that dont have obvious solutions Bias toward action-youd 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 Why This Role Matters 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. Youll 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 experiences, and a fundamentally transformed approach to credit risk. This is a rare opportunity to shape the future of credit operations at a substantial financial institution, with the backing of senior leadership and access to modern AI tools. Candidates must possess unrestricted work authorization and not require future sponsorship. Compensation: Compensation range (base pay): $81,662.00-$134,741.00 This role may have a specific starting pay within this range. Final compensation offer to candidate may vary from posted hiring range based upon work experience, education, and/or skill level. Work Environment: This position is open to remote candidates, reflecting our commitment to attracting exceptional talent regardless of geography. Weve designed a flexible work arrangement that adapts to your geographic location. For candidates residing within 30 miles of the primary posted location, this position requires onsite presence three (3) days a week. For those beyond this radius, embrace the freedom to contribute to our mission remotely while maintaining strong team connections. Regardless of your location, youll be fully integrated into our team through robust digital collaboration tools and regular communication. Please note that work location is subject to change based on business needs. Benefits Overview: 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: 3 Medical, Dental, Vision Insurance 3 401k, With Matching Contributions 3 Time Off Programs 3 Health Savings Account (HSA)/Dependent Care 3 Employee Banking 3 Growth Opportunities 3 Tuition Assistance 3 Short-Term/Long-Term Disability Insurance Learn more about FNBO benefits here: https://www.fnbo.com/careers/benefits/. For additional information regarding compensation and benefits, e-mail FNBO at [redacted]. To ensure you receive a response, include the number of this job (listed below) in the subject line of your message. Application Deadline: All our jobs will be posted for a minimum of 5 calendar days. Job postings may come down prior to 5 calendar days based on volume of applicants.