Job Purpose

• Analyze and process credit proposals and applications of Bank’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 team

Key Result AreasCredit 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 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.

• To be first line of defense by exercising controls to book quality applications and to highlight any document anomalies sighted with the Fraud prevention unit

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.

Operating Environment, Framework and Boundaries, Working Relationships

Problem Solving

• Approve 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 & Responsibility

• To ensure compliance to specified procedure.

• Ensure error free processing of cases

• Review of the Quality reports and collectively review the corrective action plans

• Approval of cases under delegated approval authorities.

Knowledge, Skills and Experience

• Graduate with > 3 years work experience in Credit Management environment.

• Excellent analytical skills.
• Sound interpersonal skills

• Sound knowledge in MS office tools for report purposes

• Good PC skills.

• Ability to problem solving and work independently.

• Should be customer focused and achievement oriented.