Assistant Manager- Credit Evaluator
Mashreq Global Services · Bengaluru · onsite · Posted 31d ago
Not disclosed5–7 yrsfulltimeSourced from
About a minute. You'll make an account on the way through.
About this role
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.
- 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.
Sourced from foundit
Skills
Credit ManagementApplication Processing SystemProductivity MIScredit policyKey Performance Indicatorsoperational proceduresCredit Analysis
About Mashreq Global Services
Mashreq Global Services
Financial Services
1.7k+
employees
1967
59 years old
Dubai, Dubai
AE
₹11L PA avg
Avg at Mashreq Global Services
About
Mashreq Bank offers a range of banking solutions.
Industries
Financial Services
Employee ratings
10 reviews
3.2/ 5
Culture
2.2
Career growth
2.0
Work-life
2.8
Employees rate it well for
Compensation & Benefits34Overall Company32
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