Team Leader - Credit Operations

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 Summary We are looking for an experienced and detail-oriented Team Leader – Credit Operations 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 - Minimum 5 years of experience in Credit Operations, Loan Origination, Processing, and Documentation - Minimum 1 year of experience as a Team Leader (official designation/on papers is mandatory) - Willingness to work Night Shifts (US Shift) 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