Job Description

Location: Bangalore

/n

Shift Timing: 9 :30 PM – 6:30 AM (US Shift)

/n

Cab facility provided

/n

Experience: 7 to 10 Years

/n

/n

/n

/n

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

/n

/n

Job Summ ary

/n

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.

/n

/n

Key Responsibilities

/n

1. Credit Review & Documentation

/n

/n

- Review loan applications and supporting documents to ensure completeness, accuracy, and compliance with credit and program guidelines

/n

- Collect, validate, and organize borrower documentation such as financial statements, tax returns, ownership records, and insurance papers

/n

- Identify and reconcile inconsistencies across documents (e.g., ownership details, revenue figures, entity names, and addresses), escalating discrepancies when required

/n

- Prepare loan files for underwriting submission and closing using standardized checklists and quality control measures

/n

/n

1. Team Leadership

/n

/n

- Lead, mentor, and manage a team of loan processing and origination specialists

/n

- Set clear performance expectations and ensure consistent delivery of high-quality output

/n

- Foster a positive, cooperative, and performance-driven work environment

/n

/n

1. Loan Origination & Processing

/n

/n

- Oversee the end-to-end loan origination and processing lifecycle

/n

- Ensure adherence to company policies, regulatory requirements, and credit guidelines

/n

- Monitor loan pipelines, identify bottlenecks, and proactively resolve issues to maintain turnaround times

/n

/n

1. Stakeholder Collaboration

/n

/n

- Coordinate with Sales, Underwriting,



and Closing teams to address documentation gaps and ensure smooth file progression

/n

- Act as a key point of contact for internal stakeholders on credit operations matters

/n

/n

1. Compliance & Quality Assurance

/n

/n

- Ensure all loan documentation meets regulatory and internal compliance standards

/n

- Stay updated with industry trends, lending laws, and regulatory changes

/n

- Partner with compliance teams to maintain adherence to policies and procedures

/n

/n

1. Reporting & Performance Management

/n

/n

- Track team performance metrics and prepare reports for senior management

/n

- Analyze operational data to identify improvement areas and implement process enhancements

/n

/n

1. Customer Experience

/n

/n

- Ensure a seamless borrower experience by addressing queries and resolving issues promptly

/n

- Maintain clear and professional communication throughout the loan lifecycle

/n

/n

1. Systems & Record Management

/n

/n

- Maintain accurate records, updates, and notes in CRM and Loan Origination Systems (LOS)

/n

- Ensure proper documentation and audit readiness at all times

/n

/n

1. Training & Development

/n

/n

- Conduct onboarding and training sessions for new hires

/n

- Drive continuous learning and skill development within the team through coaching and knowledge sharing

/n

/n

/n

Qualifications & Skills

/n

/n

- Min imum 5 years of exper ience in Credit Operations, Loan Origination, Processing, and Documentation

/n

- Min imum 1 year of experience as a Team L ea der (official designation/on papers is mand atory)

/n

- Willingness to work Night Shifts (US S hift) and Work From Office (WFO)

/n

- Strong understanding of lending practices, credit policies, and compliance requirements

/n

- Proven experience in team leadership and people management

/n

- Excellent analytical, problem-solving, and decision-making skills

/n

- Strong communication and stakeholder management abilities

/n

- Ability to manage multiple priorities in a fast-paced environment

/n

/n

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