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