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 current 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 (India)
🏢 Mashreq Bank
📍 India