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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.

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Apply for Technical Architect – Commercial Lending at ZipStaff Inc.