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 recent 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

📌 Assistant Manager- Credit Evaluator (Bengaluru)
🏢 Mashreq Bank
📍 Bengaluru