Technical Architect - Commercial Lending & Collateral Platform

Experience 15 years in software engineering and architecture including at least 6 years as a solution or technical architect on banking or lending platformsRole SummaryThe bank is moving away from vendor products to a custom collateral platform The target design is modular composable and API and eventled The new platform becomes the master record for collateral and sends approved changes to the loan origination LOS and loan servicing LMS systems The Technical Architect owns the endtoend technical design and must deliver it within a phased roadmapP0 core collateral controls and a reconciled migration off the legacy platformP1 automationP2 AI capabilitiesKey ResponsibilitiesArchitecture DesignDefine the targetstate architecture core collateral engine integration hub data hub and interaction layer UI dashboards workflowsDesign domainbased microservices for the collateral lifecycle registry valuation perfection insurance release and document managementDesign configurable rules and workflow engines for triggers s makerchecker approvals and escalationsProduce architecture decision records ADRs reference architectures nonfunctional requirements NFRs and design standards and take designs through the banks architecture review boardsIntegrationDesign the API event and batch integration layers This includes pubsub messaging message converters adapters and repair queues for failed batch processingLead integration design with AFS Vision Loan IQ nCino the customer master credit risk systems and document repositoriesReuse the banks existing integration API and event hubs and migrate legacy pointtopoint interfaces step by stepData MigrationDesign the collateral data model the single authoritative collateral record and data quality and reconciliation controlsOwn the technical strategy for migration and coexistence with the legacy platform This covers incremental data migration parallel runs reconciliation and decommissioningDesign reporting and analytics data flows including support for regulatory reportingSecurity Controls NFRsBuild in rolebased access segregation of duties encryption full audit trails and data retentionDefine targets for performance scalability resilience high availability disaster recovery and observabilityKeep the design aligned with the banks security model risk and technology risk standards and with US regulatory expectations OCCFRBEngineering Leadership DeliverySet up the platform foundation first then support iterative MVP nanoproduct releasesDefine CICD DevSecOps test automation and environment strategyGuide onsite and offshore engineering teams through code reviews design walkthroughs and technical governanceWork with the Commercial Lending Collateral SME to turn business capabilities into technical designsSupport the upfront study of the legacy application and present the proposed architecture in client workshopsRequired QualificationsProven experience architecting large custom platforms in banking Commercial lending collateral or credit platforms are strongly preferredDeep expertise in microservices domaindriven design and APIfirst eventdriven architectureHandson strength in JavaSpring Boot or NET RESTGraphQL APIs and Kafka or equivalent messagingCloudnative architecture on AWS or Azure containers Kubernetes and managed servicesStrong data architecture skills relational databases Oracle PostgreSQL SQL Server data modeling ETLELT and reconciliation designExperience migrating from legacy or COTS platforms with coexistence and phased cutoverExperience integrating with lending systems such as AFS ACBS Loan IQ nCino or core banking platformsSolid grasp of enterprise security IAMSSO OAuth2 encryption secrets management and audit loggingExcellent communication and stakeholder skills comfortable presenting to bank CTO and CIOlevel audiences and architecture review boardsPreferred QualificationsExperience with rules or workflow engines such as Drools Camunda or PegaFamiliarity with collateral products such as STOC or Broadridge COLLATEModern frontend architecture Angular or React and document management integrationExposure to AIML use cases such as intelligent document extraction and predictive monitoringCertifications such as TOGAF AWSAzure Solutions Architect Professional or KubernetesKey CompetenciesPragmatic design judgment a strong focus on security and controls handson technical depth and the ability to lead distributed teams toward fixedscope phased releases