Retail Credit Reviewer
Giza, Egypt
Job Description
- MAJOR RESPONSIBILITIES AND ACOUNTABILITIES
- 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.
- JOB REQUIREMENTS
Minimum education
: Bachelor's degree in related field
Languages
: Excellent command in spoken and written English.
Ideal experience
: Minimum 2-3 years’ experience in Credit Management environment.
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Job Detail
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Job IdJD1406656
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IndustryNot mentioned
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Total Positions1
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Job Type:Full Time
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Salary:Not mentioned
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Employment StatusPermanent
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Job LocationGiza, Egypt
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EducationNot mentioned