Credit Manager-SBE-Small Business Enterprise-Credit

Job title: Credit Manager-SBE-Small Business Enterprise-Credit

Company: Kotak Mahindra Bank


Job description: Job Description:Credit Manager-Working Capital-CreditBangalore, Karnataka, IndiaJOB 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-CreditDelhi, IndiaTRENDINGJOB DESCRIPTIONRoleCredit 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 evaluationStock 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

Expected salary:

Location: Dehradun, Uttarakhand

Job date: Thu, 05 Dec 2024 23:24:45 GMT

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