[Hiring] Senior Associate - Credit Evaluator @Mashreq

Role Description

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.

Qualifications

• 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 solve and work independently.
• Should be customer focused and achievement oriented.

Requirements

• 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, evaluating and providing suggestions to improve the team’s productivity.
• Undertaking various assigned projects to increase the unit productivity and to enhance product and credit policy for retail lending products.
• Being actively part of all trainings, process improvement initiatives and system changes for the product/process betterment.
• 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.
• Ensuring daily productivity targets are met.
• Ensuring quality service to internal/external customers by adhering to the committed turnaround time.
• Being first line of defense by exercising controls to book quality applications and to highlight any document anomalies sighted with the Fraud prevention unit.
• Being actively involved in the process of training and testing implemented by the quality unit.
• Helping in the on-job training of the new staff in the team.
• Being a key team player and keeping 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.

Company Description