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Kotak Mahindra

Credit Manager-HF-HOUSING FINANCE-Credit

Early Applicant
  • 11 days ago
  • Be among the first 50 applicants

Job Description

Credit Manager-Working Capital-Creditn

Bangalore, Karnataka, Indian

JOB DESCRIPTIONn

Job Role :As part of Credit Team for Working Capital Financen

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  • Managing team of Credit Managersn

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  • Underwriting & making proposals of Working Capital Finance ( Fund & Non Fund based )n

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  • Under writing cases with desired level of quality and enabling achievement of branch business target by proper training.n

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  • Visiting customers for personal discussions and deal structuringn

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  • Studying monitoring reports & keeping track of portfolio quality. Taking necessary steps to ensure that the required quality levels are maintainedn

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  • To evaluate proposals of customers for Home Loans, Loan against Propertyn

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  • Decision making within defined TATn

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  • Understanding of property related aspects (like legal title and market value of the property) is an added advantagen

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  • Coordinating with sales, operations, legal, technical and customer service
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    Job Requirements:n

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  • Qualification- CA with relevant underwriting experiencen

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  • Job Knowledge n

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    o Technical underwriting experiencen

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    o Analytical skillsn

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  • Skills & Experience n

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    o Experience of 2-4 years in relevant working capital products is desired,n

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    o Should be able to handle time bound activities effectivelyn

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    o Should be an effective team player.n

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    o Should have a sense of urgency & keenness to learn.
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    Location Credit Manager-SBE-Small Business Enterprise-Creditn

    Delhi, Indian

    TRENDINGn

    JOB DESCRIPTIONn

    Rolen

    Credit Appraisaln

    • Loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authoritiesn
    • Under writing cases with desired level of quality and enabling achievement of Branch Business target by proper trainingn
    • Use performance history along with liquidity, debt/asset management and profitability ratios to assess creditworthiness in evaluationn

    Stock on Hire: Increase in volume of businessn

    • Ensure that SOH increases(pl confirm if this applies to CM role )n

    NPA trendn

    • Analyze the NPA trend like area, industry, sector etc.n
    • Interact with Customers & understand the business and regularly monitor delinquencies / infants.n

    Infant loan which is less than 12 months NPAn

    • Ensure qualitative portfolio



    More Info

    Industry:Other

    Function:Finance

    Job Type:Permanent Job

    Skills Required

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    Date Posted: 13/11/2024

    Job ID: 100190319

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