Credit Manager-SBE-Small Business Enterprise-Credit
Kotak Mahindra Bank Limited- Posted 3 hours ago
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Job 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. |
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
More Info
Key Skills
Technical underwriting
About Company
