We are looking for a Credit Manager who would be responsible for Processing of Business Loan applications under surrogate & financials.

Selected candidate would be responsible for evaluating and managing the creditworthiness of potential business borrowers, assessing risks, and ensuring compliance with company credit policies.

He/ She would analyze financial information, monitor loan performance, and manage collections, ultimately minimizing financial risk and maximizing profitability for the lending institution.

Role & responsibilities :
- Credit Assessment:

Reviewing loan applications, financial statements, credit reports, and other relevant documents to assess a business's creditworthiness.
- Risk Analysis:

Identifying potential risks associated with lending to specific businesses, evaluating their ability to repay loans, and determining appropriate loan terms.
- Loan Approval:

Approving or rejecting loan applications based on creditworthiness and adherence to company policies.
- Credit Limit Determination:

Setting appropriate credit limits for approved loans,



ensuring they align with the borrower's financial capacity and risk profile.
- Interest Rate Determination:

Determining interest rates for loans based on factors like credit risk, market conditions, and company policies.
- Loan Documentation:

Ensuring the accuracy and completeness of all loan documentation, including loan agreements, security documents, and other relevant paperwork.
- Credit Monitoring:

Continuously monitoring the performance of existing loans, identifying early warning signs of potential defaults, and taking necessary actions to mitigate risks.
- Relationship Management:

Building and maintaining relationships with internal stakeholders, such as sales and relationship management teams, as well as external stakeholders, such as borrowers and industry professionals.
- Reporting:

Preparing reports on loan performance, risk exposure, and other relevant metrics for management and oth

📌 Credit Manager Business Loans (Mumbai)
🏢 Kotak Mahindra Bank
📍 Mumbai