Product Analyst – Commercial Lending (contract)

Title: Product Analyst – Commercial Lending

Location: 550 S Tryon St Charlotte, NC
Alternate Locations: Irving, TX, San Antonio, TX, or Chandler, AZ

Duration: 18 months

Work Engagement: W2

Work Schedule: 3 days in office/2 day remote

Benefits on offer for this contract position: Health Insurance, Life insurance, 401K and Voluntary Benefits

Summary:

We are seeking a Business Analyst / Product Analyst to support key initiatives within the Commercial Banking Risk organization, focusing on AI-driven solutions such as Borrower Quality Rating (BQR), Collateral Quality Rating (CQR), and Asset Quality Reviews (AQR). This role will partner closely with Risk teams and AI partners to define requirements, drive prioritization, and support delivery of modernized credit workflows.

The ideal candidate will bring strong knowledge of the commercial lending lifecycle, experience working in agile environments, and the ability to translate complex business needs into actionable user stories.

Key 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:

• Applicants must be authorized to work for ANY employer in the U.S. This position is not eligible for visa sponsorship.

• 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

• Proven 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)