Senior Credit Analyst (UAE National Only) Apply Now
Jobnumber
AE03535
Closing date
25-Jul-2024 Job Purpose
Analyze and process credit proposals and applications of MashreqBanks 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 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 Flex cube , Prime, and other applicable systems review through application system IRIS/MWS
Measuring, evaluate and providing suggestion to improve the teams 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.
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
