Job Description
EG-Bank is currently recruiting for the role of Retail Senior Credit Reviewer
Analyze & Process Credit proposals and applications of EGBank Retail products for approval or escalation to credit supervisors within stipulated TAT. Regulate all approvals within the credit policy & product features. Ensure consistent application of credit policy, quality of underwriting decision & documents held as collateral.
Duties and Responsibilities
Your main responsibilities in this role include the following:
Ensure credit applications are processed within the approved lending parameters and within deviation caps approved by policy.
Ensure the standard Operating Procedures for credit underwriting, verification, documentation, delegation is complied with & detailed exception & regularly reported to management.
Communicate major deficiencies & policy violations to credit supervisor for follow up with Recommending additions & modifications to credit policy, product manual & Operational procedures.
Alertness in detecting fraud application & ensure that good quality of credit applications are processed.
Ensure daily productivity targets are met , which will be set on a daily basis according to the work load defined by retail risk assessment manager .
Ensure quality of service to Internal & External customers by adhering to the committed turnaround time.
Matching all the received applications against work Flow system, fraud date base to verify any duplicates/fraudulent cases and company coding.
Checking I score report/CBE Negative list to check credit history and DBR calculations
Verifying all the documentations along with their related data to confirm that they are complying with the required set.
Checking the accepted criteria as per Policy such as income, profession, years in business, home location and DBR calculation by fulfilling evaluation checklist.
Conducting contact point verification (CPV) with customer, STL/HR checks with employer, residence verification and mobile ( If required by credit policy )
Updating the decisions of the cases on the appropriate systems
Prepare the deviation proposal (If required) with recommendations.
Creating approval sheet and pass the case to the supervisor.
Interact on daily basis with Team leaders, Credit Investigators, Compliance and Head of Retail Risk assessment.
Avoid Consequences of Errors which may have a significant adverse effect on relationships with customers and the Bank’s asset quality.
Perform other duties as assigned.
