Senior Associate-Retail Credit Initiation&Control.CoE Pakistan CM - CRM - CCPL O
# Senior Associate-Retail Credit Initiation&Control.CoE Pakistan CM - CRM - CCPL O **Mashreq** · Pakistan · `Remote` · `Full Time` 💼 **Уровень роли:** `Senior` 🕒 **Статус:** *Опубликовано: сегодня* · *Источник: Himalayas (JSON API)* --- ### Top Skills & Match 🎯 **Ключевой стек роли:** `[Credit-Analyst]` `[Credit-Underwriter]` `[Lending-Associate]` `[Credit-Officer]` `[Credit-Review]` `[Senior-Credit-Control-Specialist]` `[Senior-Credit-Analyst]` `[Senior-Credit-Specialist]` --- ### About the Role Job Purpose - Analyze and process credit proposals and applications of Mashreq 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 Areas Credit 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 To interact on daily basis with the: - Internal staff within the team - Assistant Managers / Onshore managers - Credit Investigators - Internal Compliance - Sales and Branch staff in the absence of the Asst Manager - Liaising with other stake holders to fix any process hindrances - Operate in a high pressure credit automation driven environment. - To support Assistant Manager on day to day activities 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. Originally posted on Himalayas
- Credit-Analyst
- Credit-Underwriter
- Lending-Associate
- Credit-Officer
- Credit-Review
- Senior-Credit-Control-Specialist
- Senior-Credit-Analyst
- Senior-Credit-Specialist
Наблюдалась 2026-10-03, впервые 2026-10-03, источник — Himalayas (JSON API).