Senior Business Systems Analyst – Credit Risk & Loan Originations

Overview

Job Title: Senior Business Systems Analyst – Credit Risk & Loan Originations

Experience: 8+

Location: Onsite/Hybrid
- Iselin NJ/Johnston RI

Job Description:

We are seeking a Senior Business Systems Analyst (BSA) to support Credit Risk Management and Loan Origination transformation initiatives within Commercial Banking. This role partners closely with Underwriters, Portfolio Managers, Credit Risk, and Technology teams to translate complex credit and underwriting requirements into clear JIRA epics, user stories, and functional specifications
.

The ideal candidate brings strong commercial lending domain expertise
, hands-on credit risk experience
, and proven ability to drive agile delivery across credit and loan platforms.

• Partner with Underwriters, Portfolio Managers, Credit Officers, and Risk teams to gather and refine business requirements
• Analyze end-to-end credit and underwriting workflows, data needs, and risk decisioning
• Translate requirements into JIRA epics, features, user stories, and acceptance criteria
• Support initiatives across Bilateral Loans, Asset-Based Lending (ABL), and Participation Loans
• Ensure alignment with credit policy, compliance, auditability, and control requirements
• Analyze credit and portfolio data to support risk reporting, dashboards, and monitoring
• Work closely with Product Owners and Engineering teams through backlog grooming, sprint planning, UAT, and delivery

• 8–12+ years of experience as a Business Systems Analyst in Commercial Banking
• Strong hands-on experience in Credit Risk Management and Loan Originations

• Deep understanding of:
• Credit approvals, risk ratings, covenants, limits, and exposures
• Asset-Based Lending (ABL)
• Proven experience working directly with Underwriters, Portfolio Managers, and Credit Risk Officers

• Strong experience with the following systems/tools:
• Moody’s Credit Lens
• AFS
• LoanIQ
• Info Lease

• Extensive experience writing JIRA epics, features, and user stories
• Excellent stakeholder communication, documentation, and analytical skills

• Experience with commercial Loan Origination Systems (LOS)
• Familiarity with credit risk models and portfolio monitoring tools
• Experience supporting regulatory, audit, or compliance-driven initiatives
• Consulting or large-scale banking transformation program experience

Stratacent is a Global IT consulting and Services firm
, headquartered in Jersey City, NJ, USA with offices in UK, Canada, and South Africa and global capability centers (GCC) in Pune and Gurugram in India. Our focus areas include Data and AI, Cloud Services, Automation, IT Operations, Application Development, and Information Security.

URL -

Global managed services firm assisting customers with digital transformation, including data and analytics, cloud services, automation, and IT service management.

Stratacent is an equal opportunity employer. As such, to the extent defined by federal, state, and municipal law, Stratacent will not discriminate against any employee or applicant for employment on the basis of race, color, creed, religion, age, sex, national origin, ancestry, handicap, or any other factor protected by law.