Assistant Manager- Credit Evaluator (UAE National Only)

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.

• 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.

• Ensuring consistent application of credit policy, quality of underwriting decisions and of documents held as collateral

Key Result Areas

• 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

• Categorizing cases as ‘Declined’, ‘Rejected’, or ‘for Deviation Approval’ if above checks fail

• 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

• 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

• 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.