Senior Associate-Retail Credit Initiation& Pakistan CM

DescriptionAnalyze 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.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 teamResponsibilitiesCredit 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 '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.Exception IdentificationException 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 unitTraining & TestingTo 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 teamCredit Policy / Product Manual & Operational IssuesIdentifying 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.Operating Environment, Framework and Boundaries, Working RelationshipsTo interact on daily basis with the:Internal staff within the teamAssistant Managers / Onshore managersCredit InvestigatorsInternal ComplianceSales and Branch staff in the absence of the Asst ManagerLiaising with other stake holders to fix any process hindrancesOperate in a high pressure credit automation driven environment.To support Assistant Manager on day to day activities Problem SolvingApprove all cases with strict adherence to approved delegated authorities and ensure strict implementation of the same Escalation of cases lying beyond eligibility criteria and credit score to Credit Supervisors.Decision Making Authority & ResponsibilityTo ensure compliance to specified procedure.Ensure error free processing of casesReview of the Quality reports and collectively review the corrective action plansApproval of cases under delegated approval authorities.QualificationsGraduate with > 3 years work experience in Credit Management environment.Excellent analytical skills.Sound interpersonal skillsSound knowledge in MS office tools for report purposesGood PC skills.Ability to problem solving and work independently.Should be customer focused and achievement oriented.