Senior Commercial Lending AI & Workflow Architect

JazzX AI, Inc.; France; On-site; EUR 120,000 - 170,000; Full time

Job summary

JazzX AI, Inc. seeks a senior consultant to help define and operationalize enterprise lending workflows. You will deliver end‑to‑end blueprints, data requirements, and policy logic that translate complex lending processes into auditable AI outputs.

The role focuses on commercial lending transformation, including origination, underwriting support, and post‑closing workflow optimization, with real impact on enterprise accuracy and speed.

Qualifications

• 10+ years of hands-on commercial lending experience.
• Deep knowledge of commercial loan origination and fulfillment: borrower intake, deal qualification, financial spreading, credit analysis, underwriting support, approvals, conditions, and closing.
• Strong familiarity with CRE and/or C&I lending (ideally both).
• Practical understanding of credit policy, approval authorities, risk ratings, covenants, exceptions, documentation standards, and audit/loan‑review expectations.
• Able to map workflows across relationship managers, analysts, underwriters, credit officers, closers, loan operations, servicing, portfolio management, risk, compliance, and internal audit.
• Experience with commercial lending systems - LOS/CRM, document repositories, core banking or servicing systems, spreading tools, and reporting workflows.
• Excellent written and verbal communication; able to turn domain expertise into crisp documentation, examples, product guidance, and cross‑functional training.
• Sound judgment about what AI can safely prepare or recommend versus what must remain human‑owned.

Responsibilities

• Deliver Commercial Lending Lifecycle Blueprint – end‑to‑end map with personas, systems, handoffs, data dependencies, and breakdown points.
• Deliver Origination & Fulfillment Workflow Pack – maps for intake, qualification, document collection, spreading, underwriting support, credit‑memo preparation, approvals, conditions, closing, funding, and boarding.
• Create Persona & Jobs‑to‑Be‑Done Map – responsibilities, pain points, artifacts, decisions, handoffs, systems, and success metrics for each persona.
• Develop Document & Data Requirement Matrix – required documents, data fields, source systems, and evidence standards by deal type and workflow stage.
• Propose Credit Package / CAM Reference Model – structure for credit‑package outputs including borrower overview, sponsor/guarantor analysis, collateral, financials, and evidence links.
• Draft Policy, Exception & Approval Logic Guide – representation of lender policy, authority matrices, exceptions, overrides, and approvals in workflows and AI outputs.
• Create Conditions & Covenants Playbook – generation, assignment, tracking, escalation, clearance, monitoring, and surfacing across origination, closing, servicing, and portfolio.
• Build Golden Deal Library & Validation Rubric – scenarios and expected outputs for AI performance, SME review, regression testing, and release readiness.
• Produce Servicing & Portfolio Opportunity Map – post‑close workflows value opportunities if within expertise.
• Provide Product Readiness Review – assessment of commercial lending workflows, demos, requirements, and outputs readiness for customer use.

Skills

Commercial lending

CRE lending

C&I lending

Credit policy

Workflow mapping

Cross-functional teamwork

Documentation & training

Communication

Tools

LOS / CRM

Document repositories

Core banking systems

Spreading tools

Reporting workflows

Job description

JazzX AI, Inc. seeks a senior consultant to help define and operationalize enterprise lending workflows. You will deliver end‑to‑end blueprints, data requirements, and policy logic that translate complex lending processes into auditable AI outputs.

The role focuses on commercial lending transformation, including origination, underwriting support, and post‑closing workflow optimization, with real impact on enterprise accuracy and speed.