Domain Expert, Banking – Loan Origination & Commercial Lending

This is a fully remote position, open to applicants in United States.

📋 Description

• Outline comprehensive loan origination processes for consumer, small business, and commercial lending, covering everything from intake, KYC/BSA/AML, and income and collateral verification to credit analysis, underwriting, approval, and exceptions.

• Document additional essential banking processes as customer requirements emerge, leveraging practical banking knowledge.

• Evaluate credit policies, underwriting standards, and regulatory mandates; identify inconsistencies, gaps, and ambiguous thresholds.

• Establish and confirm decision rules related to eligibility, DTI/DSCR/LTV limits, covenants, pricing, and escalation criteria in collaboration with bank process stakeholders.

• Create viable test cases and golden-label datasets encompassing approvals, declines, and referrals, along with documented supporting evidence.

• Assess agent decisions against established banking practices and report any discrepancies in the rulebook or agent errors.

• Provide guidance to product and engineering teams regarding US banking regulations and production challenges.

⛳️ Requirements

• Over 10 years of experience in banking at a US bank, credit union, or lending institution, possessing extensive expertise in credit, underwriting, loan operations, or credit risk.

• Sound understanding of US banking regulations and supervisory frameworks: ECOA/Reg B, fair lending, HMDA, TILA/RESPA, BSA/AML, OCC/FDIC/Fed model risk and credit risk guidance, and CECL.

• Proven experience in documenting or reengineering banking processes (SOPs, BPMN, audit, or model governance work).

• Capability to convert ambiguous statements into clear conditions, thresholds, and exceptions.

• Willingness to maintain regular collaboration with the Tel Aviv team.

• Strong written and verbal communication skills with bank leaders, executives, and engineers.

• Location: Remote (US), with consistent overlap with the Tel Aviv team during US Eastern morning hours.

• Experience in commercial lending is advantageous.

• Practical experience in core banking processes is a significant benefit.

• Background in a fintech, digital lending environment, or a Big 4 financial services firm is preferred.

• Familiarity with decision engines, core banking, loan origination systems, or AI governance.

• Possession of credentials such as FRM, CFA, CAMS, or equivalent qualifications.

🏝️ Benefits

• Competitive salary and performance-based bonuses.

• Comprehensive health, dental, and vision insurance.

• Flexible work arrangements and remote work options.

• Opportunities for professional development and career growth.

• Supportive and inclusive work environment.