Team Leader - Credit Operations

Job Description

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

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• Review loan applications and supporting documents to ensure completeness, accuracy, and compliance with credit and program guidelines
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• Collect, validate, and organize borrower documentation such as financial statements, tax returns, ownership records, and insurance papers
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• Identify and reconcile inconsistencies across documents (e.g., ownership details, revenue figures, entity names, and addresses), escalating discrepancies when required
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• Prepare loan files for underwriting submission and closing using standardized checklists and quality control measures
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2. Team Leadership

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• Lead, mentor, and manage a team of loan processing and origination specialists
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• Set clear performance expectations and ensure consistent delivery of high-quality output
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• Foster a positive, collaborative, and performance-driven work environment
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3. Loan Origination & Processing

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• Oversee the end-to-end loan origination and processing lifecycle
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• Ensure adherence to company policies, regulatory requirements, and credit guidelines
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• Monitor loan pipelines, identify bottlenecks, and proactively resolve issues to maintain turnaround times
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4. Stakeholder Collaboration

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• Coordinate with Sales, Underwriting, and Closing teams to address documentation gaps and ensure smooth file progression
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• Act as a key point of contact for internal stakeholders on credit operations matters
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5. Compliance & Quality Assurance

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• Ensure all loan documentation meets regulatory and internal compliance standards
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• Stay updated with industry trends, lending laws, and regulatory changes
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• Partner with compliance teams to maintain adherence to policies and procedures
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6. Reporting & Performance Management

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• Track team performance metrics and prepare reports for senior management
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• Analyze operational data to identify improvement areas and implement process enhancements
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7. Customer Experience

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• Ensure a seamless borrower experience by addressing queries and resolving issues promptly
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• Maintain clear and professional communication throughout the loan lifecycle
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8. Systems & Record Management

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• Maintain accurate records, updates, and notes in CRM and Loan Origination Systems (LOS)
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• Ensure proper documentation and audit readiness at all times
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9. Training & Development

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• Conduct onboarding and training sessions for new hires
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• Drive continuous learning and skill development within the team through coaching and knowledge sharing
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Qualifications & Skills

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