Technical Architect – Commercial Lending & Collateral Platform

Job description

Experience 15 years in software engineering and architecture including at least 6 years as a solution or technical architect on banking or lending platforms

Role Summary

The bank is moving away from vendor products to a custom collateral platform The target design is modular composable and API and eventled The new platform becomes the master record for collateral and sends approved changes to the loan origination LOS and loan servicing LMS systems The Technical Architect owns the endtoend technical design and must deliver it within a phased roadmap

P0 core collateral controls and a reconciled migration off the legacy platform

P1 automation

P2 AI capabilities

Key Responsibilities

• Architecture Design
• Define the targetstate architecture core collateral engine integration hub data hub and interaction layer UI dashboards workflows
• Design domainbased microservices for the collateral lifecycle registry valuation perfection insurance release and document management
• Design configurable rules and workflow engines for triggers s makerchecker approvals and escalations
• Produce architecture decision records ADRs reference architectures nonfunctional requirements NFRs and design standards and take designs through the banks architecture review boards
• Integration
• Design the API event and batch integration layers This includes pubsub messaging message converters adapters and repair queues for failed batch processing
• Lead integration design with AFS Vision Loan IQ nCino the customer master credit risk systems and document repositories
• Reuse the banks existing integration API and event hubs and migrate legacy pointtopoint interfaces step by step
• Data Migration
• Design the collateral data model the single authoritative collateral record and data quality and reconciliation controls
• Own the technical strategy for migration and coexistence with the legacy platform This covers incremental data migration parallel runs reconciliation and decommissioning
• Design reporting and analytics data flows including support for regulatory reporting
• Security Controls NFRs
• Build in rolebased access segregation of duties encryption full audit trails and data retention
• Define targets for performance scalability resilience high availability disaster recovery and observability
• Keep the design aligned with the banks security model risk and technology risk standards and with US regulatory expectations OCCFRB
• Engineering Leadership Delivery
• Set up the platform foundation first then support iterative MVP nanoproduct releases
• Define CICD DevSecOps test automation and environment strategy
• Guide onsite and offshore engineering teams through code reviews design walkthroughs and technical governance
• Work with the Commercial Lending Collateral SME to turn business capabilities into technical designs
• Support the upfront study of the legacy application and present the proposed architecture in client workshops

Required Qualifications

• Proven experience architecting large custom platforms in banking Commercial lending collateral or credit platforms are strongly preferred
• Deep expertise in microservices domaindriven design and APIfirst eventdriven architecture
• Handson strength in JavaSpring Boot or NET RESTGraphQL APIs and Kafka or equivalent messaging
• Cloudnative architecture on AWS or Azure containers Kubernetes and managed services
• Strong data architecture skills relational databases Oracle PostgreSQL SQL Server data modeling ETLELT and reconciliation design
• Experience migrating from legacy or COTS platforms with coexistence and phased cutover
• Experience integrating with lending systems such as AFS ACBS Loan IQ nCino or core banking platforms
• Solid grasp of enterprise security IAMSSO OAuth2 encryption secrets management and audit logging
• Excellent communication and stakeholder skills comfortable presenting to bank CTO and CIOlevel audiences and architecture review boards

Preferred Qualifications

• Experience with rules or workflow engines such as Drools Camunda or Pega
• Familiarity with collateral products such as STOC or Broadridge COLLATE
• Modern frontend architecture Angular or React and document management integration
• Exposure to AIML use cases such as intelligent document extraction and predictive monitoring
• Certifications such as TOGAF AWSAzure Solutions Architect Professional or Kubernetes

Key Competencies

Pragmatic design judgment a strong focus on security and controls handson technical depth and the ability to lead distributed teams toward fixedscope phased releases

Mandatory Skills : Software Engineering and Design Architecture

Required Skills :

Basic Qualification :

Additional Skills :

Background Check : No

Drug Screen : No