Assistant Manager- Credit Evaluator
Free to start · No card · 5 credits the moment you sign up
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.
Originally posted on Himalayas
Prepare your application
Use the description above to assess your fit for Mashreq. This checklist is guidance from Resumize, rather than additional requirements from the employer. Imported listings can be shortened or change after collection, so confirm the complete description and current availability before sending an application.
Match requirements to evidence
Identify the responsibilities and skills the employer explicitly names. For each important requirement, choose one example from your work, education, training, or projects. Explain what you did, how you did it, and what changed as a result. Include a measurable outcome when you can support it. If you lack a requirement, describe related experience accurately instead of adding an unfamiliar skill to your resume.
Put the most relevant examples near the top of your resume. Keep job titles, dates, qualifications, and contact details consistent across your application materials. Use the employer’s terminology when it describes your experience accurately; a copied list of keywords does not explain your contribution. A short, specific bullet is easier to review than a paragraph that mixes several unrelated duties.
Check the working arrangement
Confirm the location, schedule, employment type, and any eligibility requirements on the employer’s site. A remote label does not establish worldwide eligibility or flexible hours. If compensation, benefits, equipment, travel, or contract duration are missing from this listing, write down your questions for the recruiter. Do not assume details from another opening at the same company apply to this role.
Review before submitting
Follow the employer’s requested file format and application instructions. Open your exported resume and check that its text is selectable, its sections read in order, and its links work. Proofread names, dates, and contact information. Share confidential work samples only when you have permission, and use an anonymized example when necessary.
Submit through a trusted employer or recruiting destination. If the original listing has disappeared, search the employer’s careers page for the title rather than assuming the vacancy remains open. Save the application date, job reference, and the version of your resume you sent. Those details help you prepare for a later conversation and avoid submitting conflicting information through several job boards.
Review your resume for writing and readability feedback, or browse other openings if this opportunity is unavailable.