Senior Associate-Retail Credit Initiation&Control.CoE Pakistan CM - CRM - CCPL Onboarding.Credit Management-PAKCOE

Job description

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 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.

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 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.

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. 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.