Credit Manager-consumer Service Group-credit Job in Kotak Mahindra Bank Limited

Job Requirement ;

1)CAqualified professional with3-5 years of work experience in Working Capital& Business
loans Secured only.

2) Must have at some Team Handling experience.

3) MBA in Finance with experience in Working capital underwriting may apply.

5) MUST HAVE EXPERIENCE IN SECURED WORKING CAPITAL CREDIT.

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

Ensure that there is no infant 12 months NPA

Daily tasks:

Daily accessing the loan file

Daily case discussion with Sales team

Preparing credit underwriting for the cases assigned

Personal discussion calls with customer financials & banking

Decision making with predefined TAT

Tele-verification calls to the customer

Train sales team on credit policy, procedures etc.