ZipStaff Inc.

Technical Architect – Commercial Lending

Charlotte, North Carolina•Contract
$52 - $53 hourly
About the Job
Job Title: Technical Architect – Commercial Lending & Collateral Platform
Location: Charlotte, NC (On-site)
Employment Type: Contract (W2 through ZipStaff — No C2C or 1099)

About the Opportunity

ZipStaff is seeking a Technical Architect for a global technology services firm replacing vendor collateral products with a custom platform at a major US bank.
The target design is modular, API- and event-led, and becomes the master record for collateral, with approved changes sent to loan origination and loan servicing. You own the end-to-end technical design across a phased roadmap: P0 core controls and reconciled migration, P1 automation, P2 AI. This is a hands-on architecture seat — not a functional SME role and not a coding-only role.

What You’ll Do

  • Define target-state architecture: collateral engine, integration hub, data hub, and UI / workflow interaction layer
  • Design domain microservices for registry, valuation, perfection, insurance, release, and document management
  • Design configurable rules and workflow engines for triggers, maker-checker, and escalation
  • Produce ADRs, reference architectures, NFRs, and design standards, and take them through architecture review
  • Design API, event, and batch integration (pub/sub, converters, adapters, repair queues)
  • Lead integration design with AFS Vision, Loan IQ, nCino, customer master, credit-risk systems, and document repositories
  • Reuse existing API and event hubs and retire point-to-point interfaces in steps
  • Design the collateral data model, authoritative record, data-quality controls, and regulatory reporting flows
  • Own migration and coexistence: incremental loads, parallel run, reconciliation, and decommission
  • Build in RBAC, segregation of duties, encryption, audit trail, and retention
  • Set performance, scalability, resilience, HA/DR, and observability targets aligned to bank security and OCC / FRB expectations
  • Stand up platform foundation, CI/CD, DevSecOps, test automation, and environment strategy
  • Guide onshore and offshore teams through design reviews and technical governance
  • Partner with the Commercial Lending Collateral SME and present the architecture in client workshops

Required Qualifications

  • 15+ years in software engineering and architecture, including 6+ years as a solution or technical architect on banking or lending platforms
  • Proven architecture of large custom platforms in banking; commercial lending, collateral, or credit platforms strongly preferred
  • Microservices, domain-driven design, and API-first / event-driven architecture
  • Hands-on Java / Spring Boot or .NET, REST / GraphQL, and Kafka or equivalent messaging
  • Cloud-native architecture on AWS or Azure (containers, Kubernetes, managed services)
  • Data architecture: Oracle, PostgreSQL, or SQL Server; data modeling; ETL/ELT; reconciliation design
  • Migration off legacy or COTS with coexistence and phased cutover
  • Integration with lending systems such as AFS, ACBS, Loan IQ, nCino, or core banking
  • Enterprise security: IAM / SSO, OAuth2, encryption, secrets, audit logging
  • Able to present to CTO / CIO audiences and architecture review boards
  • 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

  • Rules or workflow engines (Drools, Camunda, or Pega)
  • STOC or Broadridge COLLATE
  • Angular or React, and document-management integration
  • AI/ML use cases such as document extraction or predictive monitoring
  • TOGAF, AWS or Azure Solutions Architect Professional, or Kubernetes certification

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 banking or lending platform architecture you owned, the integration pattern (API/event), and a legacy-to-custom migration you designed. Generic cloud architects with no lending-system integration will not be considered.