Location: Bangalore

Shift Timing: 7:30 PM – 4:30 AM (US Shift)

Cab facility provided

Experience: 5 to 10 Years

Job Title: Team Leader – Loan Documentation & Analysis

We are seeking a Team Leader with strong financial acumen and hands-on expertise in loan document analysis. The ideal candidate should demonstrate a high level of accuracy, process discipline, and leadership capability in a fast-paced, SLA-driven environment.

Key Competencies & Skills

Exceptional attention to detail with a disciplined and structured approach to process execution
Strong judgment and decision-making skills, with the ability to identify, assess, and appropriately escalate issues
Clear, concise, and professional written communication skills in English
Proven ability to work effectively in SLA-driven environments across aligned time zones
Proficiency in Microsoft Excel and MS Word; exposure to CRM, LOS, or loan servicing systems is highly preferred

Key Responsibilities

Risk Identification, Escalation & Special Assets Support

Identify missing, insufficient, or conflicting information in loan files and escalate issues as per documented escalation protocols.
Flag early indicators of operational, compliance, or credit-related risks for U.S. stakeholder review.
Support loan transfers to Special Assets by preparing complete, well-documented transfer summaries.
Clearly differentiate between administrative issues, operational delays, and potential credit concerns to ensure accurate reporting and escalation.

Controls, Compliance & Documentation

Adhere strictly to documented SOPs, checklists, workflows, and escalation matrices.
Maintain audit-ready documentation, clear file notes, and appropriate version control across all loan records.
Support internal and external audits by providing accurate, complete, and timely documentation.
Ensure compliance with information security, confidentiality, and data handling requirements at all times.
Perform duties in alignment with U.S. regulatory expectations for commercial lending and SBA-style loan environments.

Primary Skills (required)

Portfolio Monitoring & Servicing Support
Monitor loan performance, payment activity, and servicing requirements for assigned loan portfolios.
Track and update key portfolio metrics such as delinquency trends, borrower responsiveness, and documentation status.
Maintain accurate borrower communication logs, servicing notes, and document records within servicing systems.
Manage insurance, tax, and related servicing ticklers, including escalation for force-placed insurance where required.
Monitor external alerts (e.g., business credit flags) and document actions taken in accordance with SOPs.
Prepare internal summaries, memos, and portfolio reports to support Credit, Portfolio Management, and Special Assets teams.
Assist with renewal documentation preparation ahead of credit reviews.

Required Skills & Experience

Min 5 years of experience in credit operations, loan servicing, portfolio monitoring, or related BFSI roles.
Knowledge of commercial lending processes, loan documentation, and servicing workflows.
Experience working with U.S.-based lending portfolios(Commercial / SBA preferred).
Strong understanding of operational risk, compliance processes, and escalation mechanisms.
Excellent attention to detail with strong documentation and communication skills.
Ability to work in night shifts and collaborate with U.S.-based stakeholders.

Preferred Qualifications

Graduation (Any).
Familiarity with audit support and regulatory documentation standards.
Experience using loan servicing systems and document management tools.

Team Lead - Credit Operations/Loan Documentation