SME - Commercial Mortgage (Contract)
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AI Summary
Develop comprehensive commercial lending blueprints, workflow maps, and data requirement matrices to guide the creation of AI-native digital workers. Provide domain expertise to ensure AI outputs for credit packages and policy logic are accurate and ready for customer-facing use.
About JazzX AI:
Vision: Enterprises operating on institutional intelligence—governed, self-improving, and scalable beyond individual expertise.
JazzX AI is defining the future of enterprise work—by building AI-native digital workers that actually get the job done.
We believe enterprises don't scale expertise—they lose it. Knowledge stays trapped in individuals, judgment gets applied inconsistently, and the best talent spends time on work that should run itself. We're changing that.
JazzX AI transforms messy enterprise reality into institutional intelligence: governed digital workers that capture expert judgment, make every decision explainable, and continuously improve through real-world execution. The result is faster decisions, higher-quality outcomes, and reliable execution at scale—in domains where getting it wrong isn't an option.
We're starting with lending and due-diligence workflows—complex, regulated, high-stakes. From here, we're building the backbone for enterprise intelligence across industries.
This is early-stage, hard, and consequential work. If you want to be part of bringing AI systems to market that actually run in production, handle real complexity, and deliver real outcomes—not demos, not chatbots—JazzX AI is the place.
Headquartered in Los Altos, CA. Backed by SAIGroup.
About SAIGroup :
SAIGroup a private investment firm that has committed $1B to build and scale next-generation, AI-powered enterprise software companies. SAIGroup’s portfolio serves 2,000+ global enterprise customers, generates nearly $800M in annual revenue, and employs 4,000+ people worldwide — providing JazzX AI with long-term capital, deep operating expertise, and access to real-world enterprise scale from day one.
Learn more about JazzX AI:
Website: https://jazzx.ai
LinkedIn: https://www.linkedin.com/company/jazzx-ai
Learn more about SAIGroup:
Website: https://saigroup.ai
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.
Why Join JazzX AI:
What draws people to JazzX AI is the opportunity to build something truly foundational.
We are at the beginning of a new era — one where enterprise systems will no longer be static tools, but dynamic collaborators that learn, reason, and evolve alongside the people who use them. At JazzX AI, you’ll help build a platform that redefines how work happens in the AGI era.
JazzX AI brings together vision, deep technology, and purpose. This is not about experimenting with AI features; it’s about turning the promise of AGI into practical, auditable, and human-aligned systems that enterprises can trust and rely on at scale. The work here directly impacts productivity, efficiency, and decision-making in complex, real-world environments.
If you’re motivated by building systems that matter — systems that combine intelligence with responsibility — JazzX AI offers the chance to do that work at a deeper level, with real ownership and lasting impact.
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