Senior Collateral Systems SME Commercial Lending Charlotte

ZipStaff Inc.; Charlotte (NC); On-site; USD 150,000 - 210,000; Full time

Benefits offered by this job

Health Insurance

Dental Insurance

Vision Insurance

401(k)

401(k) matching

Paid time off

Referral Program

Job summary

ZipStaff is recruiting a Corporate Lending Collateral SME for a global technology services firm in Charlotte, NC. This hands-on SME will translate bank needs into platform requirements and guide delivery from discovery through MVP and rollout.

You will cover end-to-end collateral processes, valuation, perfection, insurance, and regulatory considerations, working with major systems like AFS Vision, Loan IQ and nCino. This is a senior, non-developer role that requires onsite presence.

Qualifications

• 12+ years in commercial lending and collateral operations or lending technology.
• 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 loans) and the lifecycle.
• Hands-on collateral operations: UCC Article 9 perfection, valuation, insurance tracking, and releases.

Responsibilities

• 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 backlog with 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).
• Prioritize with architecture, development, and QA; support SIT, UAT, training, and go-live.

Skills

Lending domain expertise

Collateral operations

Functional SME

Workshop facilitation

Agile / Jira

Tools

AFS Vision

ACBS

Loan IQ

nCino

Job description

ZipStaff is recruiting a Corporate Lending Collateral SME for a global technology services firm in Charlotte, NC. This hands-on SME will translate bank needs into platform requirements and guide delivery from discovery through MVP and rollout.

You will cover end-to-end collateral processes, valuation, perfection, insurance, and regulatory considerations, working with major systems like AFS Vision, Loan IQ and nCino. This is a senior, non-developer role that requires onsite presence.