Key Deliverables

The engagement should produce concrete, reusable assets, including:

• Commercial Lending Lifecycle Blueprint — an end-to-end map of origination, fulfillment, closing, servicing, and portfolio workflows with personas, systems, handoffs, data dependencies, and breakdown points.

• Origination & Fulfillment Workflow Pack — detailed maps for intake, qualification, document collection, spreading, underwriting support, credit-memo preparation, approval, conditions, closing, funding, and boarding.

• Persona & Jobs-to-Be-Done Map — responsibilities, pain points, artifacts, decisions, handoffs, systems, and success metrics for each persona.

• Document & Data Requirement Matrix — required documents, data fields, source systems, and evidence standards by deal type and workflow stage.

• Credit Package / CAM Reference Model — a recommended structure for credit-package outputs: borrower overview, sponsor / guarantor analysis, collateral, financial analysis, risk-rating support, exceptions, conditions, covenants, approvals, and evidence links.

• Policy, Exception & Approval Logic Guide — how lender policy, authority matrices, exceptions, overrides, and approvals should be represented in workflows and AI outputs.

• Conditions & Covenants Playbook — how conditions and covenants are generated, assigned, tracked, escalated, cleared, monitored, and surfaced across origination, closing, servicing, and portfolio.

• Golden Deal Library & Validation Rubric — representative scenarios and expected outputs for evaluating AI performance, SME review, regression testing, and release readiness.

• Servicing & Portfolio Opportunity Map — a prioritized view of post-close workflows where JazzX can create value (payments, rate resets, UCC continuations, modifications, payoffs, covenant testing, annual reviews, watchlist, early warning). Delivered if within the consultant’s expertise.

• Product Readiness Review — an assessment of whether JazzX’s commercial lending workflows, demos, requirements, and outputs are credible, accurate, and ready for customer-facing use.

Qualifications

Required Experience

• 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.

Strongly Preferred

• Experience across both CRE and C&I lending.

• Commercial loan servicing experience — payment administration, rate resets, modifications, renewals, payoffs, UCC continuations, borrower requests, and servicing controls.

• Portfolio management experience — covenant monitoring, annual reviews, risk-rating changes, watchlist management, early-warning indicators, borrower reporting, collateral monitoring, and exam / audit readiness.

• Background in credit administration, loan review, internal audit, or regulatory exam preparation.

• Prior involvement in commercial lending transformation, LOS implementation, workflow redesign, AI / automation, credit-policy modernization, or operating-model redesign.

• Experience supporting technology vendors, fintechs, consulting firms, or implementation teams serving commercial lenders.

• Comfortable participating in customer discovery and lighthouse scoping with senior credit, risk, operations, and technology stakeholders.