Technical Architect – Commercial Lending

Job Title: Technical Architect – Commercial Lending & Collateral Platform
Location: Charlotte, NC (On-site)
Employment Type: Contract (W2 through Zip Staff — No C2C or 1099)

Zip Staff is seeking a Technical Architect for a global technology services firm replacing vendor collateral products with a custom platform at a major US bank.

The target design is modular, API- and event-led, and becomes the master record for collateral, with approved changes sent to loan origination and loan servicing. You own the end-to-end technical design across a phased roadmap: P0 core controls and reconciled migration, P1 automation, P2 AI. This is a hands‑on architecture seat — not a functional SME role and not a coding‑only role.

• Define target-state architecture: collateral engine, integration hub, data hub, and UI / workflow interaction layer.
• Design domain microservices for registry, valuation, perfection, insurance, release, and document management.
• Design configurable rules and workflow engines for triggers, maker-checker, and escalation.
• Produce ADRs, reference architectures, NFRs, and design standards, and take them through architecture review.
• Design API, event, and batch integration (pub/sub, converters, adapters, repair queues).
• Lead integration design with AFS Vision, Loan IQ, nCino, customer master, credit‑risk systems, and document repositories.
• Reuse existing API and event hubs and retire point-to-point interfaces in steps.
• Design the collateral data model, authoritative record, data‑quality controls, and regulatory reporting flows.
• Own migration and coexistence: incremental loads, parallel run, reconciliation, and decommission.
• Build in RBAC, segregation of duties, encryption, audit trail, and retention.
• Set performance, scalability, resilience, HA/DR, and observability targets aligned to bank security and OCC / FRB expectations.
• Stand up platform foundation, CI/CD, Dev Sec Ops , test automation, and environment strategy.
• Guide onshore and offshore teams through design reviews and technical governance.
• Partner with the Commercial Lending Collateral SME and present the architecture in client workshops.

• 15+ years in software engineering and architecture, including 6+ years as a solution or technical architect on banking or lending platforms.
• Proven architecture of large custom platforms in banking; commercial lending, collateral, or credit platforms strongly preferred.
• Microservices, domain-driven design, and API-first / event-driven architecture.
• Hands‑on Java / Spring Boot or .NET
  , REST / GraphQL, and Kafka or equivalent messaging.
• Cloud-native architecture on AWS or Azure (containers, Kubernetes, managed services).
• Data architecture:
  Oracle, PostgreSQL, or SQL Server; data modeling; ETL/ELT; reconciliation design.
• Migration off legacy or COTS with coexistence and phased cutover
• Integration with lending systems such as AFS, ACBS, Loan IQ, nCino, or core banking.
• Enterprise security: IAM / SSO, OAuth2, encryption, secrets, audit logging.
• Able to present to CTO / CIO audiences and architecture review boards
• Ability to work on‑site in Charlotte, NC.
• Must be legally authorized to work in the United States without sponsorship now or in the future.

• Rules or workflow engines (Drools, Camunda, or Pega).
• STOC or Broadridge COLLATE.
• Angular or React, and document‑management integration.
• AI/ML use cases such as document extraction or predictive monitoring.
• TOGAF, AWS or Azure Solutions Architect Professional, or Kubernetes certification.

• Health Insurance.
• Dental Insurance.
• Vision Insurance.
• 401(k).
• 401(k) matching.
• Paid time off.
• Referral Program.

Zip Staff partners with leading organizations to connect skilled technology professionals with high‑impact contract opportunities. We focus on quality matches, clear communication, and long‑term success for candidates and clients.