Credit Manager-HF-HOUSING FINANCE-Credit at Kotak Mahindra Bank

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Full Time

Start Date

Immediate

Expiry Date

03 Apr, 26

Salary

0.0

Posted On

03 Jan, 26

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Credit Management, Underwriting, Analytical Skills, Team Management, Customer Interaction, Portfolio Monitoring, Decision Making, Property Evaluation, Training, Sales Coordination, Operations Coordination, Legal Coordination, Technical Coordination, Customer Service Coordination, Time Management, Sense of Urgency

Industry

Banking

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

Responsibilities

The Credit Manager will manage a team of Credit Managers and oversee the underwriting and proposal process for Working Capital Finance. Responsibilities include customer visits for deal structuring, monitoring portfolio quality, and ensuring adherence to defined turnaround times.