Domain Expert, Banking – Loan Origination & Commercial Lending
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Job Description
US banking domain expert mapping credit and loan origination processes for Factify’s auditable AI decision agents. Encoding underwriting rules, test cases and exceptions for regulated lenders.
Responsibilities:
- 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:
- 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
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