Retail Senior Credit Reviewer

**MAJOR RESPONSIBILITIES AND ACOUNTABILITIES**- 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.- 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.- 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.