Credit Manager - Housing Finance
Kotak Mahindra Bank
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Credit Manager - Housing Finance
Kotak Mahindra Bank
Ernakulam
Not disclosed
Work from Office
Full Time
Min. 2 years
Job Details
Job Description
Credit Manager-HF-HOUSING FINANCE-Credit
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
Job role
Work location
Kochi, 0592-Kochi-Kanaka Damodar-MG Road-Ernakulam-Br-KRA, Vallanatt,Mg Road, Ernakulam, Kerala, India
Department
Banking / Insurance / Financial Services
Role / Category
Lending Operations
Employment type
Full Time
Shift
Day Shift
Job requirements
Experience
Min. 2 years
About company
Name
Kotak Mahindra Bank
Job posted by Kotak Mahindra Bank
Apply on company website