Assistant Manager- Credit Evaluator

Job Purpose

• Analyze and process credit proposals and applications of Mashreq Banks 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 teams 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.