Assistant Manager- Credit Evaluator

 Job Purpose 

• Analyze and process credit proposals and applications of Mashreq Bank’s retail Lending Products 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 

Key Result Areas 

Credit Analysis 

• Analyzing for approval or escalation to higher authority : eligibility as per policy, bank statement, past data check on ‘banks core systems, review through application processing system and create a credit proposal with all details for further checks and approvals 
• Measuring, evaluate and providing suggestion to improve the team’s productivity. This will be done by maintaining key performance indicators and daily productivity MIS 
• To undertake various assigned projects to increase the unit productivity and to enhance product and credit policy for retail lending products. 

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. 

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. 

   

Knowledge, Skills and Experience 

• Graduate with 5 years work experience in Credit Management environment. 

• Excellent analytical skills. 

• Sound interpersonal skills 

• Ability to problem solving and work independently. 

• Should be customer focused and achievement oriented.