Lead- Credit Evaluator

Job Purpose:

- Analyze and process credit proposals and applications of Mashreq Bank’s retail Lending Products also including Islamic 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 mortgage 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 periodically assist in the training of the new staff in the team.

Key Result Area:
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 ‘RCMS.’

- 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 Classification: Internal Use

- 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.

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.

- Willing to work under pressure

Originally posted on Himalayas