Lead- Credit Evaluator

Job Purpose: - Analyze and process credit proposals and applications of Mashreq Bank’s retail Lending Products also including Islamic 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 mortgage 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 periodically assist in the training of the new staff in the team. Key Result Area: 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 ‘RCMS.’ - 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 Classification: Internal Use - 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 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. - Willing to work under pressure Originally posted on Himalayas