Credit Manager-Working Capital-Credit

Bangalore, Karnataka, India

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. Location Credit Manager-SBE-Small Business Enterprise-Credit Delhi, India TRENDING

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

📌 Credit Manager-HF-HOUSING FINANCE-Credit (Mumbai)
🏢 Kotak Mahindra Bank
📍 Mumbai