Domain Expert, Banking – Loan Origination & Commercial Lending

Factify

. Map end-to-end loan origination flows for consumer, small business and commercial lending, including intake, KYC/BSA/AML, income and collateral verification, credit analysis, underwriting, approval and exceptions .

Posted 10/25/2026contractRemote • United StatesSeniorLeadWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates extensive expertise in credit analysis, underwriting, and loan operations within US banking, with a strong focus on regulatory compliance and process documentation. Capable of advising on banking requirements and collaborating effectively with cross-functional teams.

Highest-signal resume keywords

10+ Years Banking ExperienceCredit Analysis ExpertiseUS Banking Regulation KnowledgeProcess Documentation SkillsCommercial Lending Experience

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit Risk AnalysisUnderwriting GuidelinesLoan Origination FlowsKYC/BSA/AML ComplianceDecision Rule DefinitionTest Case DevelopmentBank Process MappingEligibility Criteria AnalysisIncome VerificationCollateral Verification

Soft Skills

Clear CommunicationCollaboration with TeamsProblem-Solving

Tools & Technologies

Core Banking SystemsLoan Origination SystemsDecision EnginesBPMN Documentation

Certifications & Qualifications

FRMCFACAMS

Industry Keywords

ECOA/Reg BFair LendingHMDATILA/RESPABSA/AMLOCC/FDIC/Fed GuidanceCECLFintech ExperienceBig 4 Financial ServicesModel Governance

About the role

Key responsibilities & impact

Map end-to-end loan origination flows for consumer, small business and commercial lending, including intake, KYC/BSA/AML, income and collateral verification, credit analysis, underwriting, approval and exceptions
Map other critical bank processes as customer needs arise, using practical banking experience
Analyze credit policies, underwriting guidelines and regulatory requirements; surface conflicts, gaps and ambiguous thresholds
Define and validate decision rules covering eligibility, DTI/DSCR/LTV limits, covenants, pricing and escalation criteria with bank process owners
Build realistic test cases and golden-label datasets with approve, decline and refer outcomes and documented supporting evidence
Review agent decisions against real banking practice and flag rulebook or agent errors
Advise product and engineering teams on US banking requirements and production issues

Requirements

What you’ll need

10+ years in banking at a US bank, credit union or lender, with deep expertise in credit, underwriting, loan operations or credit risk
Working knowledge of US banking regulation and supervision: ECOA/Reg B, fair lending, HMDA, TILA/RESPA, BSA/AML, OCC/FDIC/Fed model risk and credit risk guidance, and CECL
Experience documenting or redesigning bank processes (SOPs, BPMN, audit or model-governance work)
Ability to turn "it depends" into explicit conditions, thresholds and exceptions
Availability for regular overlap with the Tel Aviv team
Clear written and verbal communication with bank leaders, executives and engineers
Location: Remote (US), with regular overlap with the Tel Aviv team (US Eastern morning hours)
Commercial lending experience is valuable
Hands-on experience in core banking processes is a major asset
Experience at a fintech, digital lender or Big 4 financial-services practice
Exposure to decision engines, core banking and loan origination systems, or AI governance
FRM, CFA, CAMS or equivalent credentials