Credit Analyst

Purpose-
The role of the Job Holder is to take key decisions as well as to underwrite individual applications of Customers applying for Retail Banking products – Mortgage Loans, Personal Loans, Auto Loans and Credit Cards as defined in the Retail Credit Policy of the Bank.
The job holder works as a maker to analyze high value transactions and also analyze deviations (out of policy cases) and restructuring cases to be proposed to the delegated authority.

Responsibility-

• Ensure quality underwriting of Credit Applications as per Approved credit policies and within the given Delegation of Authority, with minimum error rate.
• Maintain high level of productivity with no compromise in the quality of processing.
• Check and approve applications within his/her delegation.
• Evaluate and escalate applications with judgmental and deviations on the basis of borrowers character and integrity, capability of repayment, business, economic and personal conditions, capital input and collateral available to the proper authority as defined in the Credit Policy of the Retail Banking PPGs.
• Communicate the decision to the Front end via an email Draft/Pre approval Letter.
• Detailed assessment of the Valuation reports along with the details captured on the system and perform comparison using the Reidin System.
• Final Offer Letters to be check and signed post completion by the maker.
• Reconciliation of invoices for Field Visits and Perfios.
  Analyzing and escalating restructure cases.

• Minimum of a bachelor’s degree.
• Strong working knowledge of business software applications, particularly spreadsheets.
• Minimum of 0 to 1 year of underwriting experience in credit related work.
• Written and spoken English – Arabic preferred
  Good understanding of banking operations, Bank policies, procedures, guidelines, statutory requirements, market conditions.