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. · 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

3 Key Result Areas

Credit Analysis · 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. 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. · 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.

4 Operating Environment, Framework and Boundaries, Working Relationships

To interact on daily basis with the: · Internal staff within the team · Assistant Managers / Onshore managers · Credit Investigators · Internal Compliance · Sales and Branch staff in the absence of the Asst Manager · Liaising with other stake holders to fix any process hindrances · Operate in a high pressure credit automation driven environment. · To support Assistant Manager on day to day activities

5 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.

6 Decision Making Authority & Responsibility

· 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.

7 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.