Product Analyst – Commercial Lending (contract)

Responsibilities

• Collaborate with Risk teams and AI partners to support BQR, CQR, and AQR initiatives
• Gather, analyze, and document business requirements for credit risk and lending processes
• Write clear features and user stories in JIRA, ensuring alignment with business objectives
• Partner with stakeholders to define and align on priorities and product roadmap
• Facilitate communication between business, technology, and AI teams
• Support the design, improvement, and optimization of credit workflow processes
• Contribute to transformation initiatives, including credit fulfillment modernization and migration efforts
• Utilize Confluence to document requirements, workflows, and project updates

Qualifications

• Hands-on experience with JIRA (user stories, backlog management, agile processes)
• Experience with Confluence for documentation and collaboration
• Strong understanding of commercial banking lending processes
• Deep understanding of the loan lifecycle, including: Origination, Underwriting, Booking, Servicing, Closeout
• Knowledge of commercial credit risk concepts, including: Risk ratings, Exposure, Collateral, Portfolio risk drivers
• Experience with workflow management tools and ability to: Design end-to-end process flows, Optimize and troubleshoot workflows
• Experience with Credit Fulfillment modernization or system migration initiatives
• Familiarity with company financial analysis and spreading tools (e.g., nCino or similar platforms)
• Strong communication skills with the ability to: Translate business needs into clear technical requirements, Articulate product direction to stakeholders at all levels, Prove ability to work in cross-functional teams within Agile environments
• Exposure to AI/ML-driven risk or credit decisioning tools (preferred)
• Experience working in banking transformation or digitization programs (preferred)