Job Purpose
- Analyze and process credit proposals and applications of MashreqBank's retail Lending Products also including Badr Products as well for approval or escalation to Credit Supervisors within the stipulated TAT.
- To ensure smooth implementation of the front end automation of credit process solution across all lending products with significant gains in customer experience and productivity.
- Regulating all approvals within the Credit Policy and Product parameters.
- Ensuring consistent application of credit policy, quality of underwriting decisions and of documents held as collateral.
- Responsible for the supervisory credit review function as and when required for RBG Products through implementation of standard operating procedures and policies as per Product Program Guidelines.
- Responsible as a reliable back up in the absence of team leader/Asst Manager.
- Responsible in the development of the new staff into the team and also periodically assist in the training of the new staff in the team
3 Key Result Areas
Credit Analysis
- Analyzing for approval or escalation to higher authority: eligibility as per policy, bank statement, past data check on Flex cube , Prime, and other applicable systems review through application system IRIS/MWS
- Measuring, evaluate and providing suggestion to improve the team's productivity.
- To undertake various assigned projects to increase the unit productivity and to enhance product and credit policy for retail lending products.
- To be actively part of all trainings, process improvement initiatives and system changes for the product / process betterment. Exception Identification
- Exception identification for eligibility, pricing, CPV, information capture on the system and collateral compliance.
- Communicating major deficiencies and policy violations to Team Leader/Asst Manager for follow-up.
- Categorizing cases as Declined, Rejected, or for Deviation Approval if above checks fail.
- To ensure daily productivity targets are met.
- To ensure quality service to internal / external customers by adhering to the committed turnaround time.
- To be first line of defense by exercising controls to book quality applications and to highlight any document anomalies sighted with the Fraud prevention unit Training & Testing
- To be actively involved in the process of training and testing implemented by the quality unit.
- To help in the on job training of the new staff in the team
- To be a key team player and should at all times keep the motivation levels up within the team Credit Policy / Product Manual & Operational Issues
- Identifying anomalies in Credit Policy and Product Manual.
- Recommending additions and modifications to Credit Policy and Product Manual.
- Recommending improvements in operational procedures and risk areas from time to time.
4 Operating Environment, Framework and Boundaries, Working Relationships
To interact on daily basis with the:
- Internal staff within the team
- Assistant Managers / Onshore managers
- Credit Investigators
- Internal Compliance
- Sales and Branch staff in the absence of the Asst Manager
- Liaising with other stake holders to fix any process hindrances
- Operate in a high pressure credit automation driven environment.
- To support Assistant Manager on day to day activities
5 Problem Solving
- Approve all cases with strict adherence to approved delegated authorities and ensure strict implementation of the same
- Escalation of cases lying beyond eligibility criteria and credit score to Credit Supervisors.
6 Decision Making Authority & Responsibility
- To ensure compliance to specified procedure.
- Ensure error free processing of cases
- Review of the Quality reports and collectively review the corrective action plans
- Approval of cases under delegated approval authorities.
7 Knowledge, Skills And Experience
- Graduate with > 3 years work experience in Credit Management environment.
- Excellent analytical skills.
- Sound interpersonal skills
- Sound knowledge in MS office tools for report purposes
- Good PC skills.
- Ability to problem solving and work independently.
- Should be customer focused and achievement oriented.
