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
📌 Credit Manager-SBE-Small Business Enterprise-Credit (India)
🏢 Kotak Mahindra Bank
📍 India
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