Credit Manager-AGRI-FIN-PROJECTS (AF)-Credit

Credit Manager

• To provide sound, independent (unsolicited) credit advice, recommendations and quality feedback on Agri SME credit proposals. 
• Handling all types of working capital (Fund base and Non-fund based limit), Commodity finance and Project loans for Agri SME enterprises. 
• Credit appraisal including financial analysis to understand the solvency, liquidity position and repayment capacity of the entity, preparation of appraisal notes, credit checks etc. 
• As per Approval Authorizations, presenting the proposal to various sanctioning forums and get it sanctioned from approving authority satisfying all their queries. 
• Meeting Customer and making Site visits at factory/office/residence of the client, viewing the working capacities of the business, inventory and working environment of the business. 
• To interact with approving authority and provide them with required information for better decision making and engaging in regular discussions to give them an independent view of the credit / economic developments. 
• To monitor and manage local credit portfolio and other risks on a proactive basis by having an in-depth knowledge on individual credit-takers. Engage in discussions with the business to modify account strategy / credit rating etc as warranted. 
• Manage and ensure timely renewal of accounts and enhancement of portfolio. 
• To align decision making with business requirements without compromising on quality of decision making or compromising on laid down policies by engaging in regular discussions with the business teams. 

• Excellent written and oral communication skills 
• Chartered Accountant with 2
• MBA Finance with 3 years of experience
• Good analytical skills

• Strong financial Analysis Skills
• Analytical skills
• Strong communication (Written and Oral)
• Eye For detail

If you wish to apply for this job position, please fill your details in the Kotak Fast Track Application Form and mail to manasi.thakur@kotak.com 

Please mention the following in the subject line as ‘”Position Name” –“Your Name” – “Your Current Business group”