Credit Operations Specialist

Company Description

R Systems is a global leader in product engineering and digital solutions, offering a unique combination of complex engineering, Data & AI, and cloud-native capabilities. We design and develop innovative solutions for technology and SaaS platforms, as well as enterprises across diverse industries. By leveraging Automation and Agentic AI, we enhance value chains, boost productivity, and deliver exceptional customer experiences. Our collaborative culture and robust partner ecosystem empower our clients to navigate market changes and achieve sustainable growth.

Role Description

The Credit Operations Specialist plays a critical role in supporting the U.S. commercial lending lifecycle across Origination, Portfolio Monitoring, and early Special Assets support. This role is responsible for ensuring loan files are complete, accurate, well documented, and audit-ready from initial application through ongoing portfolio monitoring. The position requires strong financial literacy, process discipline, and sound judgment, with a clear understanding of escalation protocols. This role supports U.S.-based credit, servicing, and risk teams and does not replace or duplicate credit decision-making responsibilities.

Job Responsibility

Origination & Fulfillment Support

Review loan applications and supporting documentation for completeness, accuracy, and adherence to documented credit and program guidelines

Collect, validate, and organize borrower documentation including financial statements, tax returns, ownership records, insurance, and related materials

Reconcile inconsistencies across documents (e.g., entity names, ownership, revenues, addresses) and escalate issues as required

Prepare loan files for underwriting submission and closing using standardized checklists, and quality controls

Coordinate with Sales, Underwriting, and Closing teams to resolve documentation gaps and ensure efficient file progression

Maintain accurate records, task updates, and commentary within designated systems (e.g., CRM, loan origination systems) Portfolio Monitoring & Servicing Support

Monitor loan performance, payment activity, and servicing requirements for assigned portfolios Track and update key portfolio metrics including delinquency trends, borrower responsiveness, and documentation status

Maintain borrower communication logs, servicing notes, and document files within servicing systems Manage insurance, tax, and related servicing ticklers, including escalation for force placed insurance when required

Monitor external alerts (e.g., business credit flags) and document actions taken Prepare internal summaries, memos, and reporting to support Credit, Portfolio Management, and Special Assets teams

Assist with renewal documentation preparation prior to credit review Risk Identification, Escalation & Special Assets Support

Identify missing, insufficient, or conflicting information and escalate in accordance with documented escalation protocols

Flag early indicators of operational, compliance, or credit-related risk for U.S.-based review

Support loan transfers to Special Assets by preparing complete, well-documented transfer summaries

Clearly distinguish between administrative issues, operational delays, and potential credit concerns Controls, Compliance & Documentation

Adhere to documented SOPs, checklists, workflows, and escalation matrices

Maintain audit-ready documentation, clear file notes, and appropriate version control

Support internal and external audits by providing accurate and timely documentation

Comply with all information security, confidentiality, and data handling requirements

Perform all duties in alignment with U.S. regulatory expectations for commercial and SBA-style lending environments