Role description

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 programs

Role Summary

The 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 rollout

Key Responsibilities

Business Discovery Requirements

Lead discovery workshops with Relationship Managers Credit Loan Officers Collateral Operations Risk Compliance and Audit

Document currentstate processes manual workarounds and pain points then define futurestate processes

Write epics user stories business rules and acceptance criteria and own backlog refinement with the Product Owner

Collateral Lifecycle Expertise

Collateral acquisition registry onboarding classification and borrowerfacilityloan relationships including crosscollateralization and guarantees

Valuation appraisals valuation history eligibility advance rates loantovalue LTV and coverage calculations and revaluation triggers

Lien perfection UCC filings continuations lien priority real estate mortgages titles and tracking perfection exceptions

Insurance management checking coverage adequacy tracking expirations and renewals and handling forceplaced insurance exceptions

Collateral release substitution full or partial releases approval workflows and legal documentation

Monitoring exceptions periodic reviews covenant and borrowingbase monitoring exception aging escalation and remediation

Integration Data

Define functional integration requirements with AFS Vision Loan IQ nCino the customer master credit risk systems and enterprise document repositories

Support data migration from the legacy platform This includes data mapping cleansing rules reconciliation and coexistence with legacy trackers during the transition

Define data quality rules and the attributes for the single authoritative collateral record

Controls Reporting Compliance

Specify makerchecker approvals segregation of duties audit trails and data retention requirements

Define operational dashboards collateral inventory reports exposure and coverage reports and support for regulatory reporting

Make sure requirements reflect US regulatory expectations for credit risk management and audits OCCFRBFDIC

Delivery Support

Work with the Architect developers and QA to prioritize capabilities core collateral controls first then automation then AIenabled capabilities

Support SIT and UAT triage defects prepare for business signoff and support training and golive

Advise the bank on industry best practices for collateral management

Required Qualifications

Deep knowledge of US commercial lending CI CRE ABL syndicated or participated loans and the credit approval and servicing lifecycle

Handson experience with collateral operations UCC Article 9 perfection valuation and appraisal management insurance tracking and releases

Functional experience with at least one of AFS Vision ACBS Loan IQ or nCino

Proven experience writing requirements for large lending or collateral platform builds or migrations

Experience with legacytonew platform data migration and reconciliation

Strong Agile delivery experience Jira story writing backlog grooming

Strong stakeholder management and facilitation skills comfortable leading workshops with senior bank business leaders

Preferred Qualifications

Experience on a custom nonpackaged collateral or lending platform build

Exposure to collateral vendor products such as STOC SageworksAbrigo or Moodys

Understanding of API and eventdriven integration concepts

Familiarity with AIenabled document extraction or intelligent monitoring use cases

Certifications such as CSMCSPO CBAP or a commercial lending or credit certification

Background as a commercial credit analyst loan officer or collateral operations lead at a US bank

Key Competencies

Businessfirst thinking clear writing sound judgment on regulatory and control requirements and the ability to explain complex lending processes simply to technical teams