Area Credit Manager-Loan Against Property (LAP)-Credit
Kotak Mahindra Bank
5 - 10 years
Chandigarh
Posted: 11/08/2025
Job Description
JD For Area Credit Manager
- Should have experience in Team Handling
- Handling secured, unsecured and working capital and LAP
- Evaluate and process end to end Loan applications within agreed TAT timelines.
- Timely clearance of open audit queries, quality control checks
- Timely completion of Vendor Management related activities
- Providing support to Business Plan through quick turnaround of New and Existing proposals and work with team to optimize returns while remaining within Risk Appetite
- Researching and evaluating clients’ creditworthiness Creating credit scoring models to predict risks Approving or rejecting loan requests, based on credibility and potential revenues and losses
- Approve or reject loan requests, based on credibility and potential revenues and losses
- Calculate and set interest rates
- Negotiate loan terms with clients
- Monitor payments
- Maintain records of loan applications
About Company
Kotak Mahindra Bank is one of India's leading private sector banks, offering a wide range of financial services including personal banking, corporate banking, investment banking, insurance, and asset management. Established in 1985 and headquartered in Mumbai, it is known for its innovative banking solutions, customer-centric approach, and strong focus on digital transformation. The bank caters to diverse customer segments, from individuals to large corporations, emphasizing trust, transparency, and growth.
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