Sr Associate- Credit Evaluator

Job Purpose
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.

Key Result Areas
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.

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.