Senior Officer- Credit Administration and Control
Mashreq Bank
Total years of experience :15 years, 1 Months
Delivering Credit Facility Agreements to Wholesale Banking Unit in line with credit approval and SOPs
Responsible for the preparation of Credit Facility Agreements as per approved Credit
proposals, credit policy, regulatory requirement and as per TAT agreed for business
SLA.
Responsible for the preparation of loan documentation Check Lists.
Preparation of Security/Charge documents & to fulfill all required constitutional
documents to be lodged and archived.
Prepare/check documentation checklist to determine the documents, securities,
insurance assignments required to be obtained prior to limit release of any newly
approved/renewed facilities.
Giving proper instructions on workflow system for both limit motoring (CFA monitoring
system) and documents (Documents tracking system) to ensure completion of
facilities limit release/hold processes.
Responsible for updating system parameters for loans in systems approved by risk
management.
Responsible for preparing MIS report required by risk management and recovery unit
for substandard risk classified accounts.
Reporting all substandard risk classified accounts files to legal department for review
as per MRS (Mashreq Rating System).
Responsible for proper and accurate safekeeping of security/charge documents,
received from RMs in the respective folders of each customer.
Regularly segregating security folders of Settled/Closed accounts and old/obsolete
documents from the safe custody and arranging the transfer to Archive with
proper documentation & maintaining proper record so.
Communicating with central credit unit ops for necessary actions of limit extensions,
hold, un-hold as per approvals received.
Updating monthly exception report according to satisfied instructions or documents
received.
Reviewing, analyzing and submitting credit proposals to proper credit committees,
proving a solid case and taking into consideration all rules & Regulations as well as
any exceptional approvals.
Interacting with domestic business (personal banking Group) units including (private
banking - Branches - direct sales - real estate business), answering queries, providing
advice and consultancy on potential credit proposals.
Reviewing remedial cases and restructuring delinquent customers that are classified
under personal banking group.
Verifying processes to ensure full control of the credit risk and assurance of legal
enforceability to give the initial approval.
Applying the lending and credit rules/policies to maintain high quality of QIB's credit
portfolio.
Analyzing of credit applications by going through the adequate information provided
for qualitative and quantitative assessment to identify customer's credit position,
review of customers' track record, cash flow, FSA, trend analysis, projection,
sensitivity, SWOT, proper repayment structure and security coverage.
Keep abreast of the overall market condition including economical/political status,
commercial practices, regulatory issues and central bank circulations to be able to
review credit proposals and conduct risk analysis to the Bank’s credit portfolio as and
when required.
Providing guidance of deals pricing as per QIB policies, risk & market competition with
continuous contact to top management with pricing tendency.
Validating various credit initiatives to ensure compliance with QIB credit policies,
procedures and applicable guidelines of banking regulatory authority and complying
with internal audit and Shareaa'.
Alternate committee member in Personal banking credit committee.
