• Analyze and process credit proposals and applications of Mashreq Bank’s Business Banking Products including Islamic Proposition & Corporate Credit Card as well for escalation to Credit Supervisors within the stipulated TAT.
• 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 Business Banking Products through implementation of standard operating procedures and policies as per Product Program Guidelines.
• 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.
• Review of existing process & system, to increase the operational efficiency.
• 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.
Credit Analysis
• Analyze the Business Banking Credit proposal for Credit Decision, if is within the Credit Parameters, Satisfactory Internal & external system check, Validation of Positive & Satisfactory Business Cash sufficient to service the existing & proposed borrowing facilities.
• Evaluate the strength & weakness of the Credit proposal & provide relevant mitigants to support the requested Credit Limit to the approver.
• Record all the Credit Proposal in the existing Credit Workflow system & update the credit decision accordingly.
• Ensure all the credit proposal are within the Product Guidelines, Credit Policy & in line with the regulatory guidelines.
• 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.
Exception Identification
• Exception identification if it is in contradiction with the Credit Parameters and collateral compliance.
• Communicating major deficiencies and policy violations to Asst Manager for follow-up.
• 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 participate in automation projects.
• To help in the On-the-Job training of the fresh staff in the team.
• To be a key collaborator 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 improvements in operational procedures and risk areas from time to time.
• Graduate with 3 years’ work experience in Credit Management environment.
• Minimum 2 years’ experience in SME/ Business Banking Credit underwriting.
• Excellent analytical skills.
• Sound interpersonal skills
• Good PC skills.
• Ability to problem solving and work independently.
• Should be client-driven and achievement oriented.
