Senior 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.