Location Credit Manager

3 weeks ago

Rohtak Haryana, India Kotak Mahindra Bank Full time

Job Category KMBL Degree Level Bachelor s Degree 1 Credit Assessment Underwriting Evaluate loan applications for Loan Against Property LAP and Affordable Housing Loans at the location level Assess borrower profiles financial statements and property documents to determine creditworthiness Perform due diligence including Customer meeting tele verification check CIBIL credit bureau checks banking analysis and market references Ensure that loan proposals align with the company s credit policy and risk appetite 2 Loan Processing Decision Making Approve loan applications within the designated authority limit and recommend higher-value proposals as required Coordinate with legal technical and operations teams to ensure smooth loan processing and disbursement Managing vault and safe keeping of property documents and Identify potential risks in loan proposals and recommend mitigation strategies 3 Risk Portfolio Management Monitor the portfolio for early warning signals delinquencies and fraud detection Work closely with the collections team to ensure timely follow-ups on overdue accounts Conduct regular credit reviews and portfolio analysis to maintain a healthy loan book 4 Compliance Audit Ensure adherence to internal credit policies RBI NHB guidelines and regulatory requirements Maintain proper documentation and ensure audit readiness at all times Work with internal and external auditors to ensure smooth audit processes 5 Stakeholder Team Management Provide training and guidance to sales and credit teams on loan policies and credit evaluation Collaborate with business teams to ensure a balance between growth and risk management Engage with legal and technical vendors for smooth processing of loan approvals Key Skills Competencies Strong understanding of LAP Affordable Housing Loans underwriting Knowledge of legal technical aspects related to property financing Experience in credit risk assessment financial analysis and portfolio monitoring Familiarity with CIBIL CRIF and other credit assessment tools Attention to detail decision-making ability and problem-solving skills Excellent communication and stakeholder management skills

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