Domain Expert | Banking: Loan Origination & Commercial Lending

Description About Factify AI agents are starting to make decisions in regulated enterprises, including US banks and insurers. Factify turns an organization's policies, documents and real-world practice into a sealed, executable rulebook that governs how those agents decide. Every decision is traceable, auditable and ratified by the people who own the process

The role

• You will be our US banking expert.
• You will map how critical decisions are actually made inside US banks, starting with credit decisions from application intake to final approval.
• You will find where policy and practice diverge, and encode that into rules that an AI agent can execute and a credit committee or examiner can defend.
• As our work expands, you will cover more of the bank's critical processes

What you'll do

• Map end-to-end loan origination flows for consumer, small business and commercial lending: intake, KYC/BSA/AML, income and collateral verification, credit analysis, underwriting, approval and exceptions.
• Map other critical bank processes as customer needs arise, using your own experience of how they run in practice.
• Analyze credit policies, underwriting guidelines and regulatory requirements.
• Surface conflicts, gaps and ambiguous thresholds.
• Define and validate decision rules (eligibility, DTI/DSCR/LTV limits, covenants, pricing and escalation criteria) with bank process owners.
• Build realistic test cases and golden-label datasets (approve / decline / refer) with documented supporting evidence.
• Review agent decisions against real banking practice and flag where the rulebook or the agent is wrong.
• Advise product and engineering on what US banking teams need, and what breaks in production