Assistant Manager- Credit Evaluator

Mashreq; Bengaluru; On-site; INR 900,000 - 1,500,000; Full time

Job summary

Mashreq Bank in Bengaluru seeks a Credit Analyst with at least five years’ experience to analyze and process retail lending proposals, ensure adherence to credit policy and achieve timely approvals across lending products.

You will identify exceptions, support policy and process improvements, assist in training new staff, monitor productivity via KPIs, and maintain high quality service for internal and external customers.

Qualifications

• Graduate with 5 years work experience in Credit Management environment.
• Excellent analytical skills.
• Sound interpersonal skills.
• Ability to problem solving and work independently.
• Customer focused and achievement oriented.

Responsibilities

• Analyze for approval or escalation to higher authority as per policy and data checks.
• Measure, evaluate and provide suggestions to improve productivity using KPIs and MIS.
• Undertake projects to increase unit productivity and enhance product and credit policy for retail lending.
• Identify anomalies in eligibility, pricing, information capture and collateral compliance.
• Communicate major deficiencies and policy violations to Team Leader/Asst Manager for follow-up.
• Ensure daily productivity targets are met and deliver quality service within the turnaround time.
• Be actively involved in training and testing by the quality unit and assist in on-the-job training of new staff.
• Recommend additions/modifications to Credit Policy and Product Manual and improvements in operational procedures and risk areas.

Skills

Excellent analytical skills

Sound interpersonal skills

Ability to problem solving

Work independently

Customer focus

Achievement oriented

Education

Graduate

Job description

Job Purpose

• - Analyze and process credit proposals and applications of Mashreq Bank’s retail Lending Products 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 ‘banks core systems, review through application processing system and create a credit proposal with all details for further checks and approvals
• - Measuring, evaluate and providing suggestion to improve the team’s productivity. This will be done by maintaining key performance indicators and daily productivity MIS
• - 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 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.

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.

Knowledge, Skills and Experience

• - Graduate with 5 years work experience in Credit Management environment.
• - Excellent analytical skills.
• - Sound interpersonal skills
• - Ability to problem solving and work independently.
• - Should be customer focused and achievement oriented.