Location: Bangalore
Shift Timing: 9 :30 PM – 6:30 AM (US Shift)
Cab facility provided
Experience: 7 to 10 Years

Job Title: Team Leader - Credit Operation (US Mortgage/Loan operation)

Job Summ ary
We are looking for an experienced and detail-orient ed Team Leader – Credit Operati ons to manage and oversee loan origination, processing, and documentation activities. This role involves leading a team, ensuring compliance with credit guidelines, and driving operational efficiency while maintaining high-quality standards across all loan files.

Key Responsibilities
1. Credit Review & Documentation
Review loan applications and supporting documents to ensure completeness, accuracy, and compliance with credit and program guidelines
Collect, validate, and organize borrower documentation such as financial statements, tax returns, ownership records, and insurance papers
Identify and reconcile inconsistencies across documents (e.g., ownership details, revenue figures, entity names, and addresses), escalating discrepancies when required
Prepare loan files for underwriting submission and closing using standardized checklists and quality control measures
2. Team Leadership
Lead, mentor, and manage a team of loan processing and origination specialists
Set clear performance expectations and ensure consistent delivery of high-quality output
Foster a positive, collaborative, and performance-driven work environment
3. Loan Origination & Processing
Oversee the end-to-end loan origination and processing lifecycle
Ensure adherence to company policies, regulatory requirements, and credit guidelines
Monitor loan pipelines, identify bottlenecks, and proactively resolve issues to maintain turnaround times
4. Stakeholder Collaboration
Coordinate with Sales, Underwriting,



and Closing teams to address documentation gaps and ensure smooth file progression
Act as a key point of contact for internal stakeholders on credit operations matters
5. Compliance & Quality Assurance
Ensure all loan documentation meets regulatory and internal compliance standards
Stay updated with industry trends, lending laws, and regulatory changes
Partner with compliance teams to maintain adherence to policies and procedures
6. Reporting & Performance Management
Track team performance metrics and prepare reports for senior management
Analyze operational data to identify improvement areas and implement process enhancements
7. Customer Experience
Ensure a seamless borrower experience by addressing queries and resolving issues promptly
Maintain clear and professional communication throughout the loan lifecycle
8. Systems & Record Management
Maintain accurate records, updates, and notes in CRM and Loan Origination Systems (LOS)
Ensure proper documentation and audit readiness at all times
9. Training & Development
Conduct onboarding and training sessions for new hires
Drive continuous learning and skill development within the team through coaching and knowledge sharing

Qualifications & Skills
Min imum 5 years of exper ience in Credit Operations, Loan Origination, Processing, and Documentation
Min imum 1 year of experience as a Team L ea der (official designation/on papers is mand atory)
Willingness to work Night Shifts (US S hift) and Work From Office (WFO)
Strong understanding of lending practices, credit policies, and compliance requirements
Proven experience in team leadership and people management
Excellent analytical, problem-solving, and decision-making skills
Strong communication and stakeholder management abilities
Ability to manage multiple priorities in a rapid-paced environment

📌 Team Leader - Credit Operations (Bengaluru)
🏢 R Systems
📍 Bengaluru