Associate.Credit Management-Retail CIC

• Analyze and process credit proposals and applications of MashreqBank 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 Retail 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 members / checkers.

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

• Graduates with 1-3 years of work experience in Credit Management environment.
• Excellent analytical skills.
• Sound interpersonal skills
• Basic 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.

• Analyzing for approval or escalation to higher authority: eligibility as per policy, bank statement, past data check on Banks system and should be able to analyze the profile through the decisioning system
• 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 Checkers/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.

Operating Environment, Framework and Boundaries, Working Relationships

To interact on daily basis with the:

Problem Solving

• Approve all cases with strict adherence to approved delegated authorities and ensure strict implementation of the same
• Escalation of cases lying beyond eligibility criteria and credit score to Credit Supervisors.

• To ensure compliance to specified procedure.
• Ensure error free processing of cases
• Review of the Quality reports and collectively review the corrective action plans

Approval of cases under delegated approval authorities.