Senior Associate – Retail Credit Initiation, Control, Credit Management

🔥 21 minutes ago

🇵🇰 Pakistan – Remote

⏰ Full Time

🟠 Senior

✨ Associate

👻 Ghost score 10%

What it means: the chance that no one is really hiring for this job.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.Why this score:

• Just posted.
• Jobs at this company usually fill in 33 days.
• No salary listed.

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Mashreq

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Founded 1967

🏦 Banking

💸 Finance

💳 Fintech

Banking • Finance • Fintech

Mashreq is a leading financial institution based in the UAE, offering a wide range of banking services including personal, corporate, and investment banking. The bank focuses on providing innovative financial solutions to its customers and has a strong digital banking presence.

📋 Description

• Analyze and process credit proposals and applications for MashreqBank retail lending products, including Badr Products, for approval or escalation within stipulated TAT. • Support front-end automation of credit processes across lending products to improve customer experience and productivity. • Ensure approvals comply with Credit Policy and Product parameters. • Ensure consistent credit policy application, quality underwriting decisions, and proper collateral documentation. • Perform supervisory credit reviews for RBG Products when required, following standard operating procedures and Product Program Guidelines. • Provide backup support during the absence of the Team Leader/Assistant Manager. • Support development and training of new team members. • Analyze eligibility, bank statements, past data in Flexcube and Prime, and reviews through IRIS/MWS. • Evaluate and suggest improvements to team productivity and undertake projects improving retail lending products and credit policy. • Identify exceptions involving eligibility, pricing, CPV, system information capture, and collateral compliance. • Communicate deficiencies and policy violations to the Team Leader/Assistant Manager. • Categorize cases as declined, rejected, or requiring deviation approval when checks fail. • Meet daily productivity targets and committed turnaround times. • Exercise first-line controls to book quality applications and highlight document anomalies to the Fraud Prevention unit. • Participate in training, testing, process improvement initiatives, and system changes. • Identify anomalies and recommend modifications to Credit Policy, Product Manual, and operational procedures. • Liaise with internal teams, managers, credit investigators, compliance, sales, branches, and other stakeholders. • Approve cases within delegated authorities and escalate cases beyond eligibility criteria or credit score to Credit Supervisors. • Review quality reports and corrective action plans; ensure error-free processing and procedural compliance.

🎯 Requirements

• 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 solve and work independently. • Customer focused and achievement oriented.

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