Team Leader - Credit Operations

Job Description Location: Bangalore /n Shift Timing: 9:30 PM – 6:30 AM (US Shift) /n Cab facility provided /n Experience: 6 to 10 Years /n Job Title: Team Leader - Credit Operation (US Mortgage/Loan operation /n s) /n Job Summ /n aryWe 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 fil /n es. /n Key Responsibili /n ties1. Credit Review & Documenta /n /n tionReview loan applications and supporting documents to ensure completeness, accuracy, and compliance with credit and program guideli /n nes.Collect, validate, and organize borrower documentation such as financial statements, tax returns, ownership records, and insurance pap /n ers.Identify and reconcile inconsistencies across documents (e.g., ownership details, revenue figures, entity names, and addresses), escalating discrepancies when requi /n red.Prepare loan files for underwriting submission and closing using standardized checklists and quality control measu /n /n res.2. Team Leader /n /n shipLead, mentor, and manage a team of loan processing and origination speciali /n sts.Set clear performance expectations and ensure consistent delivery of high-quality out /n put.Foster a positive, collaborative, and performance-driven work environm /n /n ent.3. Loan Origination & Proces /n /n singOversee the end-to-end loan origination and processing lifecy /n cle.Ensure adherence to company policies, regulatory requirements, and credit guideli /n nes.Monitor loan pipelines, identify bottlenecks, and proactively resolve issues to maintain turnaround ti /n /n mes.4. Stakeholder Collabora /n /n tionCoordinate with Sales, Underwriting, and Closing teams to address documentation gaps and ensure smooth file progress /n ion.Act as a key point of contact for internal stakeholders on credit operations matt /n /n ers.5. Compliance & Quality Assur /n /n anceEnsure all loan documentation meets regulatory and internal compliance standa /n rds.Stay updated with industry trends, lending laws, and regulatory chan /n ges.Partner with compliance teams to maintain adherence to policies and procedu /n /n res.6. Reporting & Performance Manage /n /n mentTrack team performance metrics and prepare reports for senior managem /n ent.Analyze operational data to identify improvement areas and implement process enhanceme /n /n nts.7. Customer Experi /n /n enceEnsure a seamless borrower experience by addressing queries and resolving issues promp /n tly.Maintain clear and professional communication throughout the loan lifecy /n /n cle.8. Systems & Record Manage /n /n mentMaintain accurate records, updates, and notes in CRM and Loan Origination Systems (L /n OS).Ensure proper documentation and audit readiness at all ti /n /n mes.9. Training & Develop /n /n mentConduct onboarding and training sessions for new hi /n res.Drive continuous learning and skill development within the team through coaching and knowledge shar /n /n ing. /n Qualifications & S /n /n killsMinimum 5 years of experience in Credit Operations, Loan Origination, Processing, and Documenta /n tion.Minimum 1 year of experience as a Team Leader (official designation/on papers is mandat /n ory).Willingness to work Night Shifts (US Shift) and Work From Office ( /n WFO).Strong understanding of lending practices, credit policies, and compliance requirem /n ents.Proven experience in team leadership and people manage /n ment.Excellent analytical, problem-solving, and decision-making sk /n ills.Strong communication and stakeholder management abili /n ties.Ability to manage multiple priorities in a fast-paced environ /n /n ment. /n Key Compet /n /n enciesAttention to /n DetailLeadership & Team Mana /n gementProcess Improvement M /n indsetRisk & Compliance Awa /n renessCustomer-Centric Ap /n proach