Credit Manager-SBE-Small Business Enterprise-Credit
Kotak Mahindra Bank
2 - 4 years
Surat
Posted: 12/6/2024
Job Description
Credit Manager-Working Capital-Credit
Bangalore, Karnataka, India
JOB DESCRIPTION
| Job Role :As part of Credit Team for Working Capital Finance |
| • Managing team of Credit Managers |
| • Underwriting & making proposals of Working Capital Finance ( Fund & Non Fund based ) |
| • Under writing cases with desired level of quality and enabling achievement of branch business target by proper training. |
| • Visiting customers for personal discussions and deal structuring |
| • Studying monitoring reports & keeping track of portfolio quality. Taking necessary steps to ensure that the required quality levels are maintained |
| • To evaluate proposals of customers for Home Loans, Loan against Property |
| • Decision making within defined TAT |
| • Understanding of property related aspects (like legal title and market value of the property) is an added advantage |
| • Coordinating with sales, operations, legal, technical and customer service |
| Job Requirements: |
| • Qualification- CA with relevant underwriting experience |
| • Job Knowledge – |
| o Technical underwriting experience |
| o Analytical skills |
| • Skills & Experience – |
| o Experience of 2-4 years in relevant working capital products is desired, |
| o Should be able to handle time bound activities effectively |
| o Should be an effective team player. |
| o Should have a sense of urgency & keenness to learn. |
Credit Manager-SBE-Small Business Enterprise-Credit
Delhi, India
TRENDING
JOB DESCRIPTION
Role
Credit Appraisal
· Loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities
· Under writing cases with desired level of quality and enabling achievement of Branch Business target by proper training
· Use performance history along with liquidity, debt/asset management and profitability ratios to assess creditworthiness in evaluation
Stock on Hire: Increase in volume of business
· Ensure that SOH increases(pl confirm if this applies to CM role )
NPA trend
· Analyze the NPA trend like area, industry, sector etc.
· Interact with Customers & understand the business and regularly monitor delinquencies / infants.
Infant loan which is less than 12 months NPA
· Ensure qualitative portfolio
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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