Job Purpose:
- Analyze and process credit proposals and applications of MashreqBank's retail Lending 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 and Osool 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 Banksys, Badrsys,Osoolsys, Dohasys (for Doha Cases), Select, review through application system Vectus (for Vectus cases and supplementary document attached with the facility proposal or application.
- 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 3-4 years work experience in Credit Management environment.
- Excellent analytical skills.
- Sound interpersonal skills
- Good PC skills.
- Ability to problem solving and work independently.
- Should be customer focused and achievement oriented.
