Senior Retail Credit Evaluator

Job Purpose 

•Analyze and process credit proposals and applications of Bank’s retail Lending 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/CIC 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  

•Analyzing for approval or escalation to higher authority: eligibility as per the credit policy, Select, review 

through credit initiation system and supplementary document attached with the facility proposal or 

application. 

•Measuring, evaluate and providing suggestion to improve the team’s productivity.  This will be done by 

maintaining key performance indicators and daily productivity MIS. 

•To undertake various assigned projects to increase the unit productivity and to enhance product and 

credit policy for retail lending products. 

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/CIC 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. 

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.