Credit Manager - Working Capital Finance
Kotak Mahindra Bank Limited
Work from Office
Full Time
Min. 2 yearsJob Description
Credit Manager-SBE-Small Business Enterprise-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.
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
Experience Level
Mid LevelJob role
Job requirements
About company
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