Senior Associate.credit Management-retail Cic

Job Category NES Job Group Analyze and process credit proposals and applications of MashreqBank s 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 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 Responsibilities 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 team s 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 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 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 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 Operating Environment Framework and Boundaries Working Relationships To interact on daily basis with the Internal staff within the team Assistant Managers Onshore managers Credit Investigators Internal Compliance Sales and Branch staff in the absence of the Asst Manager Liaising with other stake holders to fix any process hindrances Operate in a high pressure credit automation driven environment To support Assistant Manager on day to day activities Problem Solving Approve all cases with strict adherence to approved delegated authorities and ensure strict implementation of the same Escalation of cases lying beyond eligibility criteria and credit score to Credit Supervisors Decision Making Authority Responsibility To ensure compliance to specified procedure Ensure error free processing of cases Review of the Quality reports and collectively review the corrective action plans Approval of cases under delegated approval authorities Qualifications Graduate with 3 years work experience in Credit Management environment Excellent analytical skills Sound interpersonal skills Sound knowledge in MS office tools for report purposes Good PC skills Ability to problem solving and work independently Should be customer focused and achievement oriented