Credit Manager-Working Capital-Credit

17 hours ago


Ludhiana, India Kotak Life Insurance Full time

About The Role  

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 HireIncrease 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



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