Assistant Manager- Credit Evaluator UAE National Only

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.
• Ensuring consistent application of credit policy, quality of underwriting decisions and of documents held as collateral
  
  

Key Result Areas

• 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
• Categorizing cases as ‘Declined’, ‘Rejected’, or ‘for Deviation Approval’ if above checks fail
• 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
• 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
• 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 > 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.
  
  

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.

---