Credit Manager-HF-HOUSING FINANCE-Credit

7 days ago


Pune India Kotak Mahindra Bank Limited Full time

Job Description Credit Manager-Working Capital-Credit Bangalore, Karnataka, India JOB DESCRIPTION Job Role :As part of Credit Team for Working Capital Finance . Managing team of Credit Managers . Underwriting & making proposals of Working Capital Finance ( Fund & Non Fund based ) . Under writing cases with desired level of quality and enabling achievement of branch business target by proper training. . Visiting customers for personal discussions and deal structuring . Studying monitoring reports & keeping track of portfolio quality. Taking necessary steps to ensure that the required quality levels are maintained . To evaluate proposals of customers for Home Loans, Loan against Property . Decision making within defined TAT . Understanding of property related aspects (like legal title and market value of the property) is an added advantage . Coordinating with sales, operations, legal, technical and customer service Job Requirements: . Qualification- CA with relevant underwriting experience . Job Knowledge - o Technical underwriting experience o Analytical skills . Skills & Experience - o Experience of 2-4 years in relevant working capital products is desired, o Should be able to handle time bound activities effectively o Should be an effective team player. o Should have a sense of urgency & keenness to learn. Location Credit Manager-SBE-Small Business Enterprise-Credit Delhi, India TRENDING JOB DESCRIPTION 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



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