Domain Expert | Banking: Loan Origination & Commercial Lending

Overview

This role involves serving as a US banking expert to help map how critical credit decisions are actually made inside US banks. You will identify where policy and real-world practice diverge, then encode those findings into decision rules that an AI agent can execute and that a credit committee or examiner can defend.

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 additional critical bank processes as customer needs arise, based on hands-on understanding of how they operate in practice.
• Analyze credit policies, underwriting guidelines, and regulatory requirements.
  • Surface conflicts, gaps, and ambiguous thresholds.
• Define and validate decision rules with bank process owners, including:
  • eligibility
  • DTI/DSCR/LTV limits
  • covenants
  • pricing and escalation criteria
• Build realistic test cases and golden-label datasets (approve / decline / refer) with documented supporting evidence.
• Review agent decisions against real banking practice and flag where the rulebook or the agent is wrong.
• Advise product and engineering on what US banking teams need, and what breaks in production.

Requirements

• 10+ years in banking at a US bank, credit union, or lender, with deep expertise in credit, underwriting, loan operations, or credit risk (commercial lending experience is valuable).
• Working knowledge of US banking regulation and supervision, including:
  • ECOA/Reg B
  • fair lending
  • HMDA
  • TILA/RESPA
  • BSA/AML
  • OCC/FDIC/Fed model risk and credit risk guidance
  • CECL
• Experience documenting or redesigning bank processes (SOPs, BPMN, audit, or model-governance work).
• Ability to convert “it depends” into explicit conditions, thresholds, and exceptions.
• Availability for regular overlap with a 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).

Preferred Qualifications

Hands-on experience in any core banking process is a major asset. Additional experience that broadens the scope of business problems you can solve includes:

• Customer onboarding, KYC, and CDD/EDD
• AML transaction monitoring, sanctions screening, and SAR filing
• Payments, cash management, and liquidity operations
• Fraud detection and dispute handling
• Collections, debt restructuring, and loan workouts
• Deposit operations and account servicing
• Trade finance and commercial banking operations
• Regulatory reporting and compliance testing
• Credit risk, model risk, and third-party risk management
• Complaint handling and exam readiness

Nice to Have

• Experience at a fintech, a digital lender, or a Big 4 financial-services practice.
• Exposure to decision engines, core banking and loan origination systems, or AI governance.
• FRM, CFA, CAMS, or equivalent credentials.

Compensation & Benefits

• Not specified in the provided job description.