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.
About Cognizant:
Cognizant (Nasdaq: CTSH) is an AI Builder and technology services provider, bridging the gap between AI investment and enterprise value by building full-stack AI solutions for our clients. Our deep industry, process and engineering expertise enables us to build an organization’s unique context into technology systems that amplify human potential, drive tangible outcomes and keep global enterprises ahead in a fast-changing world. See how at cognizant.ai or @cognizant.
Additional employment information
Compensation information is accurate as of the date of this posting. Cognizant reserves the right to modify this information at any time, subject to applicable law.
Applicants may be required to attend interviews in person or by video conference. In addition, candidates may be required to present their current state or government issued ID during each interview.
Cognizant is an equal opportunity employer. Your application and candidacy will not be considered based on race, color, sex, religion, creed, sexual orientation, gender identity, national origin, disability, genetic information, pregnancy, veteran status or any other characteristic protected by federal, state or local laws.
If you have a disability that requires reasonable accommodation to search for a job opening or submit an application, please email [email protected] for roles based in the Americas or [email protected] for roles based in India.
