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Credit Manager-Loan Against Property-Credit at Kotak Mahindra Bank

, delhi, India -

Full Time

Start Date

Immediate

Expiry Date

08 Jan, 26

Salary

0.0

Posted On

10 Oct, 25

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Credit Underwriting, Financial Analysis, Customer Visits, Credit Decision-Making, Mortgage Lending, Economic Indicators, Regulatory Norms, Delinquency Monitoring, Team Player, Mentoring, Productivity Monitoring, Internal Policies, Audit Standards, Self-Employed Non-Professional, Self-Employed Professional

Industry

Banking

Description

We are looking for a qualified and experienced Credit Underwriter to manage credit evaluation for Self-Employed Non-Professional (SENP) and Self-Employed Professional (SEP) mortgage cases. The role involves in-depth financial analysis, customer visits, and credit decision-making to ensure high-quality underwriting and minimal delinquency. The ideal candidate will have a strong understanding of mortgage lending, economic indicators, and regulatory norms. The role also includes mentoring Credit Processing Associates (CPAs), monitoring their productivity, and ensuring adherence to internal policies and audit standards. · Looking after credit underwriting of SENP / SEP cases – by having deep understanding of applicants financials and business background post visiting customer. · Delinquency monitoring for underwritten cases during the infant stage so as to keep delinquency to almost Nil levels. · Managing the credit quality of underwritten cases. Having sound knowledge of present economic indicators as well as updates in mortgage industry. · Maintaining decent productivity levels of processing. · Being a team player while assisting the team in implementing HO & local policies at ground level. · Handling of CPAs and mentoring them to extract quality in their output. Monitoring their productivity levels. Job Requirements: · CA /MBA done from well-known Institute. · Min 2 – 4 years of experience in mortgage with bank or NBFC. · Having above exposure in SE/SENP segment Same Posting Description for Internal and External Candidates

Responsibilities

The Credit Manager will manage credit evaluation for SENP and SEP mortgage cases, ensuring high-quality underwriting and minimal delinquency. Responsibilities include financial analysis, customer visits, and mentoring Credit Processing Associates.