Domain Expert | Banking: Loan Origination & Commercial Lending

Factify • New York, NY

11h • Remote

About The Position

Factify builds sealed, executable rulebooks from organizations’ policies, documents, and real-world practices to govern decisions made by AI agents in regulated enterprises. Every decision is traceable, auditable, and ratified by the people who own the process.

The Domain Expert will serve as Factify’s US banking expert, initially mapping how credit decisions are made inside US banks from application intake through final approval. The role identifies differences between policy and practice and encodes them as rules that AI agents can execute and credit committees or examiners can defend. As Factify’s work expands, the expert will cover additional critical bank processes.

The position is remote in the US and requires regular overlap with Factify’s Tel Aviv team during US Eastern morning hours.

Requirements

• At least 10 years of experience in banking at a US bank, credit union, or lender, with deep expertise in credit, underwriting, loan operations, or credit risk.
• Working knowledge of US banking regulation and supervision, including ECOA/Reg B, fair lending, HMDA, TILA/RESPA, BSA/AML, OCC/FDIC/Fed model risk and credit risk guidance, and CECL.
• Experience documenting or redesigning bank processes, such as SOPs, BPMN, audit, or model-governance work.
• Ability to turn ambiguous situations into explicit conditions, thresholds, and exceptions.
• Availability for regular overlap with the Tel Aviv team during US Eastern morning hours.
• Clear written and verbal communication with bank leaders, executives, and engineers.

Nice To Haves

• Commercial lending experience.
• Hands-on experience in a core banking process, such as customer onboarding, KYC, CDD/EDD, AML transaction monitoring, sanctions screening, SAR filing, payments, cash management, liquidity operations, fraud detection, dispute handling, collections, debt restructuring, loan workouts, deposit operations, account servicing, trade finance, commercial banking operations, regulatory reporting, compliance testing, credit risk, model risk, third-party risk management, complaint handling, or exam readiness.
• Experience at a fintech, digital lender, or Big 4 financial-services practice.
• Exposure to decision engines, core banking and loan origination systems, or AI governance.
• FRM, CFA, CAMS, or equivalent credentials.

Responsibilities

• Map end-to-end loan origination flows for consumer, small business, and commercial lending, including intake, KYC/BSA/AML, income and collateral verification, credit analysis, underwriting, approval, and exceptions.
• Map other critical bank processes as customer needs arise, drawing on practical experience of how they operate.
• Analyze credit policies, underwriting guidelines, and regulatory requirements; identify conflicts, gaps, and ambiguous thresholds.
• Define and validate decision rules, including eligibility, DTI/DSCR/LTV limits, covenants, pricing, and escalation criteria, with bank process owners.
• Build realistic test cases and golden-label datasets (approve, decline, or refer) with documented supporting evidence.
• Review agent decisions against real banking practice and identify when the rulebook or agent is incorrect.
• Advise product and engineering teams on the needs of US banking teams and issues that may arise in production.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: No Education Listed