Credit Risk AI Enablement

First National Bank of Omaha•Omaha, NE

4d•Hybrid

About The Position

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.

Requirements

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
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
Unrestricted work authorization and not require future sponsorship

Nice To Haves

Experience with credit decisioning systems, underwriting platforms, or loan origination systems is a significant plus
Natural curiosity about how things work

Responsibilities

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"