SME - Commercial Mortgage
On-siteBengaluru, Karnataka, India
Job Summary
SME - Commercial Mortgage responsible for delivering a comprehensive Commercial Lending Lifecycle Blueprint and accompanying artifacts. Produce origination and fulfillment workflow packs, persona and jobs-to-be-done maps, data requirement matrices, and a CAM reference model. Develop policy, exception, and approval logic guides, plus a playbook for conditions, covenants, servicing, and portfolio opportunities. Deliver a Golden Deal Library, validation rubric, and product-readiness assessments. Requires 10+ years in commercial lending with CRE and/or C&I experience, and proficiency with loan origination, underwriting, credit analysis, documentation, audit readiness, and lending systems. Must collaborate with product, engineering, UX, data, and GTM teams in a fast-moving environment and translate domain expertise into actionable documentation and training.
Required Qualifications
- 10+ years of hands-on commercial lending experience at a bank, commercial lender, credit union, specialty finance company, consulting firm, or lender-facing technology company.
- Deep command of commercial loan origination and fulfillment: borrower intake, deal qualification, financial spreading, credit analysis, underwriting support, credit-memo preparation, approvals, conditions, closing, funding, and boarding.
- Strong familiarity with CRE and / or C&I lending (ideally both).
- Practical understanding of credit policy, approval authorities, risk ratings, covenants, exceptions, documentation standards, and audit / loan-review expectations.
- Able to map workflows across relationship managers, analysts, underwriters, credit officers, closers, loan operations, servicing, portfolio management, risk, compliance, and internal audit.
- Experience with commercial lending systems — LOS / CRM, document repositories, core banking or servicing systems, spreading tools, and reporting workflows.
- Excellent written and verbal communication; able to turn domain expertise into crisp documentation, examples, product guidance, and cross-functional training.
- Sound judgment about what AI can safely prepare or recommend versus what must remain human-owned.
- Comfortable working with product, engineering, UX, data, and GTM teams in a fast-moving product environment.
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