Credit Evaluator, Credit Inititation & Compliance
Mashreq Bank
U.A.E-Dubai
منذ 12 يوم

Job Purpose

  • Analyze and process credit proposals and applications ofMashreqBank’s retail Lending Products for approval or escalation to CreditSupervisors within the stipulated TAT.
  • To ensure smooth implementation of the front end automationof credit process solution across all lending products with significant gainsin customer experience and productivity.
  • Regulating all approvals within the Credit Policy andProduct parameters.
  • Ensuring consistent application of credit policy, quality ofunderwriting decisions and of documents held as collateral.
  • Responsible for the supervisory credit review function asand when required for RBG Products and Osool through implementation of standardoperating procedures and policies as per Product Program Guidelines.
  • Responsible as a reliable back up in the absence of teamleader / Asst Manager.
  • Responsible in the development of the new staff into theteam and also periodically assist in the training of the new staff in the team
  • CreditAnalysis

  • Analyzingfor approval or escalation to higher authority : eligibility as per policy,bank statement, past data check on Banksys’, Badrsys , Osoolsys’, Dohasys’(for Doha Cases), Select, review through application system Vectus’ (forVectus cases and supplementary document attached with the facility proposal orapplication.
  • Measuring,evaluate and providing suggestion to improve the team’s productivity. This will be done by maintaining keyperformance indicators and daily productivity MIS.
  • To undertakevarious assigned projects to increase the unit productivity and to enhanceproduct and credit policy for retail lending products.
  • ExceptionIdentification

  • Exceptionidentification for eligibility, pricing, CPV, information capture on the systemand collateral compliance.
  • Communicatingmajor deficiencies and policy violations to Team Leader / Asst Manager forfollow-up.
  • Categorizingcases as Declined’, Rejected’, or for Deviation Approval’ if above checksfail.
  • To ensuredaily productivity targets are met.
  • To ensurequality service to internal / external customers by adhering to the committedturnaround time.
  • Training& Testing

  • To beactively involved in the process of training and testing implemented by thequality unit.
  • To help inthe on job training of the new staff in the team
  • To be a keyteam player and should at all times keep the motivation levels up within theteam
  • CreditPolicy / Product Manual & Operational Issues

  • Identifyinganomalies in Credit Policy and Product Manual.
  • Recommendingadditions and modifications to Credit Policy and Product Manual.
  • Recommendingimprovements in operational procedures and risk areas from time to time.
  • Knowledge, Skills and Experience

  • Graduatewith 3-4 years work experience in Credit Management environment.
  • Excellentanalytical skills.
  • Soundinterpersonal skills
  • Good PCskills.
  • Ability toproblem solving and work independently.
  • Should becustomer focused and achievement oriented.
  • May 20, 2018

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