Kotak Mahindra Bank Ltd is seeking a Credit Analyst to join the SUPPORT
SERVICES-SME Credit department. The role involves analyzing credit data,
assessing risks, and providing recommendations to support the bank's SME lending
operations.
As a Credit Analyst, you will play a crucial role in evaluating credit
applications and managing the credit portfolio for Small and Medium Enterprises
(SMEs). Your expertise will contribute to the bank's growth and success in the
SME lending market. This position offers an opportunity to work with a agile
team and gain valuable experience in credit analysis and risk management.
Responsibilities
* Conduct thorough credit analysis and evaluation of SME loan applications.
* Assess creditworthiness, financial health, and risk profiles of prospective
borrowers.
* Prepare comprehensive credit reports and recommendations for loan approvals.
* Monitor and manage the credit portfolio, ensuring timely repayments and
identifying potential risks.
* Collaborate with relationship managers and underwriters to structure and
approve SME loans.
* Stay updated on industry trends, market conditions, and regulatory changes
impacting SME lending.
* Provide support and guidance to relationship managers in credit-related
queries and decisions.
* Maintain accurate records and documentation for all credit-related
activities.
* Assist in developing and implementing credit policies and procedures for SME
lending.
* Participate in training and knowledge-sharing sessions to enhance credit
analysis skills.
Qualifications
* Bachelor's degree in Finance, Accounting, Business Administration, or a
related field.
* Minimum 2-3 years of experience in credit analysis or a similar role,
preferably in banking or financial services.
* Strong analytical skills and attention to detail for evaluating financial
statements and credit data.
* Proficiency in using credit analysis tools and software, including credit
scoring models.
* Excellent communication and interpersonal