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