Job Title: Corporate Lending Collateral SME
Location: Charlotte, NC (On-site)
Employment Type: Contract (W2 through ZipStaff — No C2C or 1099)

About the Opportunity

ZipStaff is seeking a Corporate Lending Collateral SME for a global technology services firm replacing a legacy collateral platform at a major US bank.

The new Collateral Management System will be the system of record for collateral and will integrate to loan origination and loan servicing. You will turn bank business needs into platform requirements and guide delivery from discovery through MVP and rollout. This is a hands-on functional SME seat — not a developer role and not a generic BA role.

What You’ll Do

Lead discovery with Relationship Managers, Credit, Loan Officers, Collateral Operations, Risk, Compliance, and Audit
Document current-state workarounds and define future-state collateral processes
Write epics, user stories, business rules, and acceptance criteria; refine the backlog with the Product Owner
Cover the collateral lifecycle: acquisition and registry, classification, borrower / facility / loan links, cross-collateralization, and guarantees
Cover valuation, appraisals, eligibility, advance rates, LTV and coverage, and revaluation triggers
Cover lien perfection (UCC filings, continuations, priority), mortgages, titles, and perfection exceptions
Cover insurance adequacy, expirations, renewals, and force-placed exceptions
Cover release, substitution, approvals, and legal documentation
Cover monitoring, periodic reviews, borrowing-base and covenant exceptions, aging, and escalation
Define functional integrations with AFS Vision, Loan IQ, nCino, customer master, credit-risk systems, and document repositories
Support legacy-to-new data mapping, cleansing, reconciliation, and coexistence
Specify maker-checker, segregation of duties, audit trail, and retention
Define collateral inventory, exposure, coverage, and regulatory-reporting needs (OCC / FRB / FDIC expectations)
Prioritize with architecture, development, and QA; support SIT, UAT, training, and go-live

Required Qualifications

12+ years in commercial lending and collateral operations or lending technology, including 5+ years as a functional SME or consultant on lending or collateral system programs
Deep knowledge of US commercial lending (C&I, CRE, ABL, syndicated or participated loans) and the credit approval and servicing lifecycle
Hands-on collateral operations: UCC Article 9 perfection, valuation and appraisal, insurance tracking, and releases
Functional experience with at least one of AFS Vision, ACBS, Loan IQ, or nCino
Requirements for a large lending or collateral platform build or migration, including data migration and reconciliation
Agile delivery: Jira stories and backlog grooming
Workshop facilitation with senior bank stakeholders
Ability to work on-site in Charlotte, NC
Must be legally authorized to work in the United States without sponsorship now or in the future

Preferred Qualifications

Custom (non-packaged) collateral or lending platform build
STOC, Sageworks / Abrigo, or Moody’s
API or event-driven integration concepts
AI document extraction or intelligent monitoring use cases
CSM, CSPO, CBAP, or a commercial credit certification
Prior commercial credit analyst, loan officer, or collateral operations lead at a US bank

Benefits

Health Insurance
Dental Insurance
Vision Insurance
401(k)
401(k) matching
Paid time off
Referral Program

About ZipStaff

ZipStaff partners with leading organizations to connect skilled technology professionals with high-impact contract opportunities. We focus on quality matches, clear communication, and long-term success for candidates and clients.

To apply, submit your resume highlighting commercial collateral lifecycle work, the lending system you supported (AFS, ACBS, Loan IQ, or nCino), and requirements or migration work you owned. Generic BAs with no collateral operations will not be considered.

ZipStaff Inc.

Corporate Lending Collateral SME

About the Job