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. Originally posted on Himalayas Credit-Analysis, Credit-Management, Credit-Underwriting, Retail-Lending, Assistant-Credit-Manager, Credit-Underwriting-Analyst, Credit-Evaluator