How much salary can I expect as a Credit Manager in Kotak Mahindra Bank in Karnal?

You can expect a minimum salary of 0 INR. The salary offered will depend on your skills, experience and performance in the interview.

What is the eligibility criteria to apply for Credit Manager in Kotak Mahindra Bank in Karnal?

The candidate should have completed the required education and people who have 2 to 31 years are eligible to apply for this job. You can apply for more jobs in Karnal to get hired quickly.

Is there any specific skill required for this job?

The candidate should have sound communication skills and sound communication skills for this job.

Who can apply for this job?

Both Male and Female candidates can apply for this job.

Is it a work from home job?

No, it's not a work from home job and can't be done online. You can explore and apply for other work from home jobs in Karnal at apna.

Are there any charges or deposits required while applying for the role or while joining?

No work-related deposit needs to be made during your employment with the company.

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Credit Manager

Kotak Mahindra Bank

Credit Manager

Kotak Mahindra Bank

Karnal

Not disclosed

Work from Office

Full Time

Min. 2 years

Job Description

Credit Manager-AGRI-FIN-PROJECTS (AF)-Credit

We are seeking a detail-oriented and analytical Credit Manager to evaluate and underwrite credit proposals in the Agri-Fin Projects segment. The role involves assessing financials, conducting market visits, and ensuring timely and compliant credit processing. The ideal candidate should have strong financial analysis skills, experience in credit underwriting, and a proactive approach to risk management.

Provide sound, independent, and unsolicited credit advice and recommendations on Agri SME credit proposals. Handle all types of working capital requirements (fund-based and non-fund-based), commodity finance, and project loans for Agri SME enterprises. Conduct thorough credit appraisals, including financial analysis to assess solvency, liquidity, and repayment capacity of entities. Prepare detailed appraisal notes and perform credit checks. Present proposals to various sanctioning forums as per approval authorizations, ensuring all queries from the approving authority are satisfactorily addressed. Conduct customer meetings and site visits at factories, offices, and residences to assess business operations, inventory, and working environment. Interact regularly with the approving authority, providing necessary information to support informed decision-making and sharing independent views on credit and economic developments. Monitor and manage the local credit portfolio proactively, identifying and mitigating risks through in-depth knowledge of individual credit-takers. Engage with business teams to revise account strategies or credit ratings as needed. Ensure timely renewal of accounts and manage portfolio enhancements efficiently. Align decision-making with business requirements while maintaining the quality of decisions and adhering to laid-down policies through regular discussions with business teams.