Consulting Manager, Commercial Lending

Cognizant • Trenton, NJ • 2h ago

About Cognizant Consulting

Cognizant Consulting is more than Cognizant's consulting practice. We're a global community of 5,000+ experts dedicated to helping clients reimagine their business. Blending our deep industry and technology advisory capability, we create innovative business solutions for Fortune 500 clients. And now, we're looking for our next colleague who'll join us in shaping the future of business. Could it be you?

About the role

As a Consulting Manager - Commercial Lending , you will make an impact by reverse-engineering and validating the financial logic supporting a new commercial real estate Advances capability. You will be a valued member of the CRE Servicing team and work collaboratively with business stakeholders, technology teams, and solution architecture teams to ensure that complex funding, interest, and repayment logic is financially accurate, audit-defensible, and ready for technical implementation.

In this role, you will:

Reverse-engineer and validate financial logic for cash advance funding, interest accrual, and multi-party repayment allocation by analyzing existing Excel models, the current Python application, JIRA artifacts, and test cases

Apply structured finance and CMBS master-servicing expertise to model many-to-many capital relationships involving multiple private equity or investor funding sources across multiple advances

Validate interest calculations, spread capture, funding relationships, and repayment tracing across full, partial, excess, late-payment, and recast scenarios

Proactively identify and define edge cases, including short payments, overpayments, late payments, recast triggers, and cross-provider allocation waterfalls, while challenging stakeholder assumptions and closing gaps in the financial logic

Translate validated financial logic into implementation-ready workflows, calculation specifications, and data and gap analyses that support solution architecture and the Sprint 1 backlog for a C#/.NET and Azure-based rebuild

Work model - Remote

We strive to provide flexibility wherever possible. Based on this role's business requirements, this is a remote position. Regardless of your working arrangement, we are here to support a healthy work-life balance through our various wellbeing programs.

The working arrangements for this role are accurate as of the date of posting. This may change based on the project you're engaged in, as well as business and client requirements. Rest assured, we will always be clear about role expectations.

What you must have to be considered

Strong experience in CRE servicing and structured finance

Deep knowledge of CMBS master-servicing processes and financial logic

Experience analyzing cash advances, interest accrual, spread capture, and repayment allocation is a must.

Ability to model complex many-to-many capital relationships involving multiple funding providers and multiple advances is a must.

Experience validating full, partial, overpayment, late-payment, and recast scenarios is a must.

Ability to analyze and reconcile financial logic across Excel models, Python applications, JIRA artifacts, and test cases

Strong analytical skills with the ability to identify calculation gaps, inconsistencies, and errors before technical design and implementation

Experience proactively identifying edge cases and challenging incomplete business assumptions through informed questioning

Ability to produce implementation-ready workflows, calculation specifications, and data and gap analysis documentation

Strong stakeholder management and communication skills with the ability to translate complex financial logic into clear technical requirements

These will help you succeed

Experience supporting mortgage servicing discovery or transformation initiatives

Understanding of cross-provider allocation waterfalls and repayment tracing

Experience developing financially sound and audit-defensible calculation logic

Experience translating business and financial requirements into solution architecture and development backlogs

Familiarity with C#/.NET and Azure-based application environments

Experience working with JIRA artifacts, technical documentation, and test cases

Strong attention to detail and the ability to independently validate complex financial calculations

Consulting leadership skills with the ability to guide stakeholders toward clear, complete, and implementable solutions

We're excited to meet people who share our mission and can make an impact in a variety of ways. Don't hesitate to apply, even if you only meet the minimum requirements listed. Think about your transferable experiences and unique skills that make you stand out as someone who can bring new and exciting things to this role.

Cognizant is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to sex, gender identity, sexual orientation, race, color, religion, national origin, disability, protected Veteran status, age, or any other characteristic protected by law.

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