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.
