Credit Manager-SBE-Small Business Enterprise-Credit

2 days ago


Delhi, Delhi, India Kotak Mahindra Bank Full time ₹ 5,00,000 - ₹ 10,00,000 per year

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.

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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