Job Purpose

• Analyze and process credit proposals and applications of Mashreq Bank’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 RBG 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 leader/Asst Manager.
• 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

Key Result Areas

Credit Analysis

• Analyzing for approval or escalation to higher authority : eligibility as per policy, bank statement, past data check on ‘banks core systems, review through application processing system and create a credit proposal with all details for further checks and approvals
• Measuring, evaluate and providing suggestion to improve the team’s productivity. This will be done by maintaining key performance indicators and daily productivity MIS
• To undertake various assigned projects to increase the unit productivity and to enhance product and credit policy for retail lending products.

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.

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 5 years work experience in Credit Management environment.

• Excellent analytical skills.

• Sound interpersonal skills

• Ability to problem solving and work independently.

• Should be customer focused and achievement oriented.

The leading financial institution in MENA

While more than half a century old, we proudly think like a challenger, startup, and innovator

in banking and finance, powered by a diverse and dynamic team who put customers first.

Together, we pioneer key innovations and developments in banking and financial services.

Our mandate? To help customers find their way to Rise Every Day, partnering with them through

the highs and lows to help them reach their goals and unlock their unique vision of success.

Delivering superior service to clients by leading with innovation, treating colleagues with dignity and fairness while pursuing opportunities that grow shareholders value.

We actively contribute to the community through responsible banking in our mission to inspire more people to Rise.