Corporate Lending

Experience 12 years in commercial lending and collateral operations or technology including at least 5 years as a functional SME or consultant on lending or collateral system programsRole SummaryThe bank is replacing its legacy collateral platform with a custombuilt Collateral Management System CMS The new CMS will be the single record for all collateral and will integrate with the banks loan origination LOS and loan servicing LMS systems We need a handson SME who knows the full commercial collateral lifecycle This person will turn the banks business needs into clear platform requirements work with the banks business teams and guide the delivery team from discovery through MVP releases and rolloutKey ResponsibilitiesBusiness Discovery RequirementsLead discovery workshops with Relationship Managers Credit Loan Officers Collateral Operations Risk Compliance and AuditDocument currentstate processes manual workarounds and pain points then define futurestate processesWrite epics user stories business rules and acceptance criteria and own backlog refinement with the Product OwnerCollateral Lifecycle ExpertiseCollateral acquisition registry onboarding classification and borrowerfacilityloan relationships including crosscollateralization and guaranteesValuation appraisals valuation history eligibility advance rates loantovalue LTV and coverage calculations and revaluation triggersLien perfection UCC filings continuations lien priority real estate mortgages titles and tracking perfection exceptionsInsurance management checking coverage adequacy tracking expirations and renewals and handling forceplaced insurance exceptionsCollateral release substitution full or partial releases approval workflows and legal documentationMonitoring exceptions periodic reviews covenant and borrowingbase monitoring exception aging escalation and remediationIntegration DataDefine functional integration requirements with AFS Vision Loan IQ nCino the customer master credit risk systems and enterprise document repositoriesSupport data migration from the legacy platform This includes data mapping cleansing rules reconciliation and coexistence with legacy trackers during the transitionDefine data quality rules and the attributes for the single authoritative collateral recordControls Reporting ComplianceSpecify makerchecker approvals segregation of duties audit trails and data retention requirementsDefine operational dashboards collateral inventory reports exposure and coverage reports and support for regulatory reportingMake sure requirements reflect US regulatory expectations for credit risk management and audits OCCFRBFDICDelivery SupportWork with the Architect developers and QA to prioritize capabilities core collateral controls first then automation then AIenabled capabilitiesSupport SIT and UAT triage defects prepare for business signoff and support training and goliveAdvise the bank on industry best practices for collateral managementRequired QualificationsDeep knowledge of US commercial lending CI CRE ABL syndicated or participated loans and the credit approval and servicing lifecycleHandson experience with collateral operations UCC Article 9 perfection valuation and appraisal management insurance tracking and releasesFunctional experience with at least one of AFS Vision ACBS Loan IQ or nCinoProven experience writing requirements for large lending or collateral platform builds or migrationsExperience with legacytonew platform data migration and reconciliationStrong Agile delivery experience Jira story writing backlog groomingStrong stakeholder management and facilitation skills comfortable leading workshops with senior bank business leadersPreferred QualificationsExperience on a custom nonpackaged collateral or lending platform buildExposure to collateral vendor products such as STOC SageworksAbrigo or MoodysUnderstanding of API and eventdriven integration conceptsFamiliarity with AIenabled document extraction or intelligent monitoring use casesCertifications such as CSMCSPO CBAP or a commercial lending or credit certificationBackground as a commercial credit analyst loan officer or collateral operations lead at a US bankKey CompetenciesBusinessfirst thinking clear writing sound judgment on regulatory and control requirements and the ability to explain complex lending processes simply to technical teams