Commercial Banker
Job Description
The opportunity
IXO is seeking commercial-banking practitioners to develop grounded examples of how banks assess and serve business borrowers. The emphasis is credit judgment informed by financial evidence, together with the operational needs behind treasury and cash-management products.
What you will work on
• Build borrower cases from controlled financial statements, cash-flow information and business context, identifying the main repayment risks.
• Review AI-generated credit analyses for unsupported adjustments, inconsistent assumptions and an incomplete account of how debt would be serviced.
• Evaluate proposed covenant structures and monitoring measures, explaining what each measure tests and where it could provide a misleading signal.
• Compare treasury and cash-management services against a stated business need, describing practical tradeoffs and implementation considerations.
• Draft follow-up questions that would resolve a material information gap, and explain how different answers could change the lending assessment.
Relevant experience and qualifications
• Highlight hands-on commercial-banking, middle-market lending, credit or treasury-service experience relevant to the cases you would review.
• Describe your approach to evaluating repayment capacity and connecting borrower circumstances with credit terms and banking services.
• Show your ability to document a balanced recommendation that a colleague can follow, identifying the important assumptions and unresolved credit questions.
Deliverables
Borrower summaries, draft credit memoranda, covenant exercises and service-comparison notes with reasoned reference answers. Keep factual findings separate from judgments, and explain the assumptions behind a recommendation. Assignments concern training and evaluation rather than approving credit, soliciting customers or arranging live financing.
Engagement and pay
This is remote, paid expert work for AI training and evaluation. The advertised rate is $75 • $130/hr USD. Your agreed rate, assignment scope, schedule and expected workload will be confirmed before work begins. Use public, synthetic or explicitly authorized materials; do not submit confidential employer or client information.