Area Credit Manager

7 days ago

Mumbai, India Kotak Mahindra Bank Full time

Role & responsibilities

  • To provide sound, independent (unsolicited) credit advice, recommendations and quality feedback on Commercial Vehicles / Construction Equipment (Infrastructure) / Dealer Finance credit proposals.
  • Handling Mid-corporate , SME clients with average ticket size of Rs 25-30 crs
  • Handling all types of working capital facilities (Fund base and Non-fund based limit)
  • 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 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.
  • To contribute in central projects and also interact with vendors and external agencies for providing support in digital business solution & IT teams to develop scalable reporting/decision support tools
  • Maintenance of various MIS / compliance related records and providing it to the authorities from time to time.

Preferred candidate profile

  • Excellent written and oral communication skills
  • Chartered Accountant / MBA with an experience of credit underwriting and also leading credit team with an experience of at least 10-12 yrs
  • Experience of team management
  • Good analytical skills
  • Good understanding of all the working capital products

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