The other job responsibilities of this role includes the following,
To direct and control Mortgage loan application processing end to end including prescreening, documentation, customer performance checks on existing liabilities and disbursal activities by ensuring that the agreed service standards are met.
Ensure Mortgage loan applications processing are checked and to meet the SLA as per agreed TAT and accuracy
Key Result Areas
To perform subsequent GL reconciliations and ensure NIL exceptions and reporting.
To ensure monthly exception tracking and reporting to relevant stake holders with adherence to escalation process
To ensure that highest possible quality is maintained in credit underwriting by the individuals within the team.
To ensure appropriate controls in place to track/monitor Original file receipt pre/post disbursal, as applicable and archival process adhered
To ensure that all required controls, risk factors and procedures are maintained.
To maintain a positive working relationship with personnel of the other sections/divisions.
MIS management and weekly/monthly reporting to key business stake holders
Knowledge, Skills and Experience
SLA/TAT: Ensure daily SLA achieved by a combination of monitoring and reviewing performance, spot checks and ensuring team discipline. Also ensure that all queries related to routine activities are responded by the concerned units within the time frames pre-specified. Constantly focus on credit evaluation/credit policies to increase the approval rate. Identify deviation cases and escalate to country credit for proper approvals.
Team Management: Efficient and effective handling of team in order to surpass the departmental goals in particular and organizational goal in general. To approve changes to enhance and improve Process. Increase productivity and improve Leaders skills.
Credit: Good knowledge of credit policies pertaining to Mortgage loans and adherence to the parameters fixed as per credit/business.
Risk: Manage risks through exception reporting and reviewing applications processed. Ensure that all procedures laid down in the Operating procedures, PPG are adequately followed.
Interdependent co-ordination: To work closely with the other unit managers of / Business partners , Risk team to enable optimum co-ordination between the functioning of the units as well as enable adequate capacity planning to respond to forthcoming business volumes.
Morale: To promote an environment where all staff develop a sense of involvement in the conduct of their regular work and contribute ideas with the objective of achieving excellence in service quality.
Quality: To initiate and successfully follow up quality projects and productivity/work flow improvement reviews.
Escalation: Keep Unit Head, Division Heads advised of the regular activities and in particular, escalate exceptional occurrences, to enable appropriate action as well as report extraordinary occurrences and corrective and preventive actions taken.
Audit: To obtain satisfactory in group and other internal audits.
Work Location: U.A.E-Dubai
Group: Retail Banking Group
Mashreq has provided banking and financial services to millions of customers and businesses since 1967. We are one of UAE’s leading financial institutions with a growing retail presence in the region including Egypt, Qatar, Kuwait and Bahrain. We focus on providing our customers access to a wide range of innovative products and services. Mashreq is invariably among the highest performing banks in the Region. It’s financial performance reflects on its commitment to continue leading the UAE banking industry. To view the Bank’s financial performance, Click here. Our branch network extends across the UAE with one in every two households in the UAE banking with us. We also have customer service centres in key retail locations and one of the largest ATM networks in the country. We also have 12 overseas offices in nine countries, including Europe, US, Asia and Africa.
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