Credit Risk Jobs in Missouri (NOW HIRING)

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.

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 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"

The Ideal Candidate for This Role:

What Will Make You Successful

Technical Acumen:

• 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

Change Leadership:

• 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

The Intangibles

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

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.

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 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. We've 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, you'll 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:

• Medical, Dental, Vision Insurance

• 401k, With Matching Contributions

• Time Off Programs

• Health Savings Account (HSA)/Dependent Care

• Employee Banking

• Growth Opportunities

• Tuition Assistance

• 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 TAGAdmin@fnni.com. To ensure you receive a response, include the number of this job (listed below) in the subject line of your message.

Job number: R-20261202

Equal Opportunity & Belonging:

FNBO believes that the quality of our employee experience is at the heart of our customer experience. One key pillar of our intended employee experience is Belonging. Belonging means we are committed to fostering a workplace culture where employees of all backgrounds feel valued, recognized, and empowered to be their authentic selves-no matter their role or where they are in their journey.

Learn more here.

FNBO is an equal opportunity employer for all employees and applicants and makes employment decisions without regard to status or identity.

Click here to download 'EEO is The Law' Self-Print Poster

Click here to download 'EEO is The Law' Supplement for Federal Contractors

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FNBO is an Equal Opportunity/Affirmative Action/Veterans/Disability Employer - Member FDIC

FNBO follows federal law regarding the use of marijuana (this applies to all non-California applicants)

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.