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Senior Credit Manager-Housing Finance-Credit at Kotak Mahindra Bank

, , -

Full Time

Start Date

Immediate

Expiry Date

01 Jan, 26

Salary

0.0

Posted On

03 Oct, 25

Experience

5 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Credit Appraisal, Loan Applications, Underwriting, Creditworthiness Assessment, NPA Analysis, Customer Interaction, Portfolio Management, Delinquency Monitoring, Business Target Achievement, Training, Liquidity Management, Debt Management, Profitability Ratios, Qualitative Portfolio, Infant Loan Management

Industry

Banking

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 · Ensure that there is no infant 12 months NPA

Responsibilities

The Senior Credit Manager is responsible for credit appraisal and underwriting of loan applications, ensuring quality and compliance with defined guidelines. The role also involves analyzing NPA trends and interacting with customers to monitor delinquencies and maintain a qualitative portfolio.