Lead - Credit Evaluator.CoE Pakistan-CM-CRM-Credit Initiation & Compliance.Credit Management-PAKCOE

Analyze and process credit proposals and applications of MashreqBank’s retail Lending Products including 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 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

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
• 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.

• 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.