Team Leader - Credit Operations

R Systems · India

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 fast-paced environment